� 
       D838 / M-124508       Platinum Visa
                             25.40% Variable Monthly APR (WSJ Prime + 20.65%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       � 
       D865 / M-124512         Platinum Visa
                             25.15% Variable Monthly APR (WSJ Prime + 20.40%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       � 
       D864 / M-124511       Platinum Visa
                             21.15% Variable Monthly APR (WSJ Prime + 16.40%) 
                             $45 Annual Fee  
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       � 
       D029 / M-124505       Platinum Visa
                             25.15% Variable Monthly APR (WSJ Prime + 20.40%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       � 
       D839 / M-124510       Platinum Visa
                             21.40% Variable Monthly APR (WSJ Prime + 16.65%) 
                             $45 Annual Fee  
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       � 
       D031 / M-124506       Platinum Visa
                             25.49% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee first year, then $39 annually 
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       �
       D054 / M-124220         Platinum Visa
                             25.40% Variable Monthly APR (WSJ Prime + 20.65%)
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       �
       D055 / M-124221       Platinum Visa
                             25.40% Variable Monthly APR (WSJ Prime + 20.65%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month) 
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
      � 2018 Credit One Bank, N.A. All rights reserved.     
       Credit One�, Credit One Bank�  and the corresponding logos are federally registered trademarks. 2018.06.30
                                       � 
       D009 / M-124517       Platinum Visa
                             25.40% Variable Monthly APR (WSJ Prime + 20.65%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       � 
       D024 / M-124502       Platinum Visa
                             25.49% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $39 Annual Fee  
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       � 
       D025 / M-124516       Platinum Visa
                             25.15% Variable Monthly APR (WSJ Prime + 20.40%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       � 
       D027 / M-124503       Platinum Visa
                             17.49% Variable Monthly Purchase APR (WSJ Prime + 12.74%) 
                             25.49% Variable Monthly Cash APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee
                             $10.00 or 3% Cash Advance Fee (whichever is greater)
                                       � 
       D028 / M-124504       Platinum Visa
                             25.49% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee 
                             $10.00 or 3% Cash Advance Fee (whichever is greater)
                                       � 
       D033 / M-124507       Platinum Visa
                             25.40% Variable Monthly APR (WSJ Prime + 20.65%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater
                                       �
       D851 / M-124509       Platinum Visa
                             25.40% Variable Monthly APR (WSJ Prime + 20.65%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
      � 2018 Credit One Bank, N.A. All rights reserved.     
       Credit One�, Credit One Bank�  and the corresponding logos are federally registered trademarks. 2018.06.30
                                      � 
      D036 / M-124518         Platinum Visa
                            21.40% Variable Monthly APR (WSJ Prime + 16.65%) 
                            $75 Annual Fee first year, then $99 annually ($8.25 per month) 
                            $5.00 or 8% Cash Advance Fee (whichever is greater)
                                      � 
      D037 / M-124519         Platinum Visa
                            25.49% Variable Monthly APR (WSJ Prime + 20.74%) 
                            $39 Annual Fee
                            $5.00 or 8% Cash Advance Fee (whichever is greater)
                                      � 
      D038 / M-124520         Platinum Visa
                            25.49% Variable Monthly APR (WSJ Prime + 20.74%) 
                            $0 Annual Fee 
                            $10.00 or 3% Cash Advance Fee (whichever is greater)
                                      � 
      D039 / M-124521       Platinum Visa
                            17.49% Variable Monthly Purchase APR (WSJ Prime + 12.74%)
                            25.49% Variable Monthly Cash APR (WSJ Prime + 20.74%) 
                            $0 Annual Fee
                            $10.00 or 3% Cash Advance Fee (whichever is greater)
                                      � 
      D040 / M-124522       Platinum Visa
                            25.40% Variable Monthly APR (WSJ Prime + 20.65%) 
                            $75 Annual Fee first year, then $99 annually ($8.25 per month)
                            $5.00 or 8% Cash Advance Fee (whichever is greater)
      � 2018 Credit One Bank, N.A. All rights reserved.     
       Credit One�, Credit One Bank�  and the corresponding logos are federally registered trademarks. 2018.06.30
                                       � 
       D051 / M-124217       Platinum Visa
                             25.15% Variable Monthly APR (WSJ Prime + 20.40%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater
                                       �
       D052 / M-124218       Platinum Visa
                             25.40% Variable Monthly APR (WSJ Prime + 20.65%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       � 
       D058 / M-124224       Platinum Visa
                             25.40% Variable Monthly APR (WSJ Prime + 20.65%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       � 
       D059 / M-124225         Platinum Visa
                             25.40% Variable Monthly APR (WSJ Prime + 20.65%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       � 
       D060 / M-124226       Platinum Visa
                             25.40% Variable Monthly APR (WSJ Prime + 20.65%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       � 
       D061 / M-124499       Platinum Visa
                             25.49% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee first year, then $39 annually 
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                       � 
       D062 / M-125229       Platinum Visa
                             25.49% Variable Monthly Purchase APR (WSJ Prime + 20.74%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
      � 2018 Credit One Bank, N.A. All rights reserved.     
       Credit One�, Credit One Bank�  and the corresponding logos are federally registered trademarks. 2018.06.30
                                            � 
       D842 / M-125228       Platinum Mastercard
                             21.40% Variable Monthly APR (WSJ Prime + 16.65%) 
                             $60 Annual Fee first year, then $60 annually ($5.00 per month) 
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                            � 
       D050 / M-124523       Platinum Mastercard
                             25.90% Variable Monthly APR (WSJ Prime + 21.15%) 
                             $39 Annual Fee 
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                            �
       D056 / M-124222         Platinum Mastercard
                             25.90% Variable Monthly APR (WSJ Prime + 21.15%)
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                            �
       D057 / M-124223       Platinum Mastercard
                             25.90% Variable Monthly APR (WSJ Prime + 21.15%) 
                             $0 Annual Fee first year, then $39 annually
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
      � 2018 Credit One Bank, N.A. All rights reserved.     
       Credit One�, Credit One Bank�  and the corresponding logos are federally registered trademarks. 2018.06.30
     D838            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.40% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       We will begin charging interest on Purchases and Cash Advances on the posting date. 
                           If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge  cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum 
                           Interest Charge for the First year. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $300 credit line, your 
                           initial available credit will be $225. If established with a $400 credit line, then $325 initial available 
                           credit. If established with a $500 credit line, then $425 initial available credit. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $75 First year, then $99 billed monthly at $8.25. 
                            
     � Authorized User     $19 annually (if applicable). 
       Participation Fee    
      
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
                           $400 will not receive a Cash Advance Transaction Fee for the First year. 
                            
                            
     Penalty Fees           
     � Late Payment        Up to $35 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is requi red by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone. 
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
                                           2 
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement electronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mai l does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $75.00 and will be billed to your Account when it is 
     opened. The Annual Membership Fee for your Account beginning in year two is $99.00 and will be billed to your Account in monthly installments of 
     $8.25 per month. The Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the 
     Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. The Annual Membership Fee i s refundable as 
     long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. An Annual 
     Membership Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Membership Fee is imposed 
     for providing services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing 
     renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting agencies, and 
     providing the opportunity for additional credit. 
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
     other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
     and Cash Advances may vary and will be determined by adding 20.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
     edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
     next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
     applied to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.75% plus 20.65%, 
     currently 25.40% (corresponding monthly periodic rate of 2.1166%). The APR will never be greater than 29.90% (corresponding monthly periodic 
     rate of 2.4916%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest 
     Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. 
     Credit lines less than $400 will not receive a Minimum Interest Charge for the First year. Periodic Finance Charges will be assessed from the date 
     the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly 
     periodic rate to the �average daily balance� of your Account. To get the �average daily balance,� we take the beginning balance of your Account each 
     day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This 
     gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. 
     This gives us the �average daily balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. All Purchases, 
     Cash Advances, fees or charges accrue finance charges starting on the date of posting, even if the new balance from your previous statement was 
     paid in full or even if that new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the 
     First year. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
     Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
     like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
     your Account. 
      
                                           3 
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charg ed to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process i n paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
     any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
     in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
     email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which we obtain through 
     other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
                                           4 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
     telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
     reasonable  attorneys�  fees,  incurred  as  a  result  of  us  contacting  or  attempting  to  contact  you  at  the  number(s).  (c)  COMMUNICATION 
     REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
     revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
     (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
     requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Email and Text Notifications� section to remove these notifications. We cannot remove these online account notifications 
     for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; ( 7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
     any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
                                           5 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
                                            
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N. A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net 
     Purchases� (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to 
     your Account within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the 
     previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to 
     be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
     eligible. For dining Purchases, SIC Codes 5812, 5813, and 5814 are eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For 
     internet, cable and satellite TV service, SIC Code 4899 is eligible. You will earn rewards for Purchases with the above mentioned SIC Codes minus 
     any returns or other credits using those same SIC Codes. Although a merchant or the items that it sells may appear to fit the reward categories, the 
     merchant may not have or use a SIC Code that is included in this Program, and Purchases with that merchant will not qualify for rewards. You WILL 
     NOT earn rewards if a merchant does not submit the Purchase using a SIC Code that has been designated for rewards. A merchant with more than 
     one location may submit Purchases using different SIC Codes, including SIC Codes that do not qualify under this Program. This means that 
     Purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants are not eligible 
     for rewards: oil, propane, home heating companies, PayPal, warehouse clubs (including but not limited to Sam�s Club and Costco), and discount 
     supercenters (including but not limited to Wal-Mart and Target).  
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
                                           6 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must 
     be true: 
     1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
                                           7 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
                                           8 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitrat ion (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00952  D838 / M-124508 
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     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.15% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       We will begin charging interest on Purchases and Cash Advances on the posting date. 
                           If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge  cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum 
                           Interest Charge for the First year.  
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $300 credit line, your 
                           initial available credit will be $225. If established with a $400 credit line, then $325 initial available 
                           credit. If established with a $500 credit line, then $425 initial available credit. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $75 First year, then $99 billed monthly at $8.25. 
                            
     � Authorized User     $19 annually (if applicable). 
       Participation Fee    
      
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
                           $400 will not receive a Cash Advance Transaction Fee for the First year. 
                            
                            
     Penalty Fees           
     � Late Payment        Up to $35 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You pro mise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
                                           2 
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $75.00 and will be billed to your Account when it is 
     opened. The Annual Membership Fee for your Account beginning in year two is $99.00 and will be billed to your Account in monthly installments of 
     $8.25 per month. The Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the 
     Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. The Annual Membership Fee is refundable as 
     long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. An Annual 
     Membership Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Membership Fee is imposed 
     for providing services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing 
     renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting agencies, and 
     providing the opportunity for additional credit. 
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
     other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
     and Cash Advances may vary and will be determined by adding 20.40% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
     edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
     next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
     applied to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.75% plus 20.40%, 
     currently 25.15% (corresponding monthly periodic rate of 2.0958%). The APR will never be greater than 29.90% (corresponding monthly periodic 
     rate of 2.4916%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest 
     Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. 
     Credit lines less than $400 will not receive a Minimum Interest Charge for the First year. Periodic Finance Charges will be assessed from the date 
     the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly 
     periodic rate to the �average daily balance� of your Account. To get the �average daily balance,� we take the beginning balance of your Account each 
     day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This 
     gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. 
     This gives us the �average daily balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. All Purchases, 
     Cash Advances, fees or charges accrue finance charges starting on the date of posting, even if the new balance from your previous statement was 
     paid in full or even if that new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the 
     First year. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
     Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
     like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
     your Account. 
      
                                           3 
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
     any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
     in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
     email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which w e obtain through 
     other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
                                           4 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
     telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
     reasonable  attorneys�  fees,  incurred  as  a  result  of  us  contacting  or  attempting  to  contact  you  at  the  number(s).  (c)  COMMUNICATION 
     REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
     revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
     (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
     requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Email and Text Notifications� section to remove these notifications. We cannot remove these online account notifications 
     for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
     any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
                                           5 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
                                            
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of �eligible net Purchases� 
     (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to your Account 
     within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the previous month to the 
     26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL 
     NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
     eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
     will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Codes. Although a 
     merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
     Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
     using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using diff erent SIC Codes, 
     including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
     no reward. Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
     clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
                                           6 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must 
     be true: 
     1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that acce sses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
                                           7 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
                                           8 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00967  D865 / M-124512 
                                           9 
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     D864            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           21.15% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       We will begin charging interest on Purchases and Cash Advances on the posting date. 
                           If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge 
                           cycle in which an Interest Charge is due. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $300 credit line, your 
                           initial available credit will be $255. If established with a $400 credit line, then $355 initial available 
                           credit. If established with a $500 credit line, then $455 initial available credit. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $45 
                            
     � Authorized User     $19 annually (if applicable). 
       Participation Fee    
      
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
                           $400 will not receive a Cash Advance Transaction Fee for the First year. 
                            
                            
     Penalty Fees           
     � Late Payment        Up to $35 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You pro mise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
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     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $45.00. The Annual Membership Fee will be billed to your 
     Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay 
     your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for any 
     Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to 
     you at least once every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited 
     to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability of customer service representatives 
     for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit. 
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
     other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
     and Cash Advances may vary and will be determined by adding 16.40% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
     edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
     next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
     applied to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.75% plus 16.40%, 
     currently 21.15% (corresponding monthly periodic rate of 1.7625%). The APR will never be greater than 29.90% (corresponding monthly periodic 
     rate of 2.4916%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest 
     Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. 
     Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account u ntil the date it is 
     paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily 
     balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any 
     payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing 
     cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be 
     assessed on all �average daily balances� until paid in full. All Purchases, Cash Advances, fees or charges accrue finance charges starting on the 
     date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the 
     First year. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
     Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
     like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
     your Account. 
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
                                           3 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
     any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
     in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
     email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which we obtain through 
     other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
     telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
                                           4 
     reasonable  attorneys�  fees,  incurred  as  a  result  of  us  contacting  or  attempting  to  contact  you  at  the  number(s).  (c)  COMMUNICATION 
     REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
     revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
     (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
     requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Email and Text Notifications� section to remove these notifications. We cannot remove these online account notifications 
     for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
     any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
                                           5 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
                                            
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of �eligible net Purchases� 
     (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to your Account 
     within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the previous month to the 
     26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL 
     NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
     eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
     will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Codes. Although a 
     merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
     Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
     using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using diff erent SIC Codes, 
     including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
     no reward. Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
     clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                                           6 
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must 
     be true: 
     1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that acce sses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
      
                                           7 
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
                                           8 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimon y, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00968  D864 / M-124511 
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     D029            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.15% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
                           If you are charged interest, the minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge 
                           cycle in which an Interest Charge is due. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $300 credit line, your 
                           initial available credit with be $261. If established with a $400 credit line, then $361 initial available 
                           credit. If established with a $500 credit line, then $461 initial available credit. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $39 
                            
     � Authorized User     $19 annually (if applicable). 
       Participation Fee    
        
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
                           $400 will not receive a Cash Advance Transaction Fee for the First year. 
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
      
      
      
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You pro mise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
                                           2 
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $39.00. The Annual Membership Fee will be billed to your 
     Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay 
     your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for any 
     Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to 
     you at least once every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited 
     to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability of customer service representatives 
     for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit. 
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
     other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
     and Cash Advances may vary and will be determined by adding 20.40% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
     edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
     next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
     applied to all balances on the Account. The APR for all balances is 4.75% plus 20.40%, currently 25.15% (corresponding monthly periodic rate of 
     2.0958%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual Percentage Rate 
     was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest 
     Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, 
     Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account u ntil the date it is 
     paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily 
     balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any 
     payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing 
     cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be 
     assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash 
     Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance 
     fees accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new 
     balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the 
     First year. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
     Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
     like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
     your Account. 
      
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     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
     any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
     in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
     email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which w e obtain through 
     other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
                                           4 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
     telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
     reasonable  attorneys�  fees,  incurred  as  a  result  of  us  contacting  or  attempting  to  contact  you  at  the  number(s).  (c)  COMMUNICATION 
     REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
     revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
     (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
     requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Settings� section to remove these notifications. We cannot remove these online account notifications for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
     any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
                                           5 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
                                            
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
                                            
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N. A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net 
     Purchases� (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to 
     your Account within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the 
     previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to 
     be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
     eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
     will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Co des. Although a 
     merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
     Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
     using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using different SIC Codes, 
     including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
     no reward. Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
     clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
                                           6 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must 
     be true: 
     1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
                                           7 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
                                           8 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitrat ion (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00957  D029 / M-124505 
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      Back to Top
     D839            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           21.40% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       We will begin charging interest on Purchases and Cash Advances on the posting date. 
                           If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge 
                           cycle in which an Interest Charge is due. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $300 credit line, your 
                           initial available credit will be $255. If established with a $400 credit line, then $355 initial available 
                           credit. If established with a $500 credit line, then $455 initial available credit. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $45 
                            
     � Authorized User     $19 annually (if applicable). 
       Participation Fee    
      
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
                           $400 will not receive a Cash Advance Transaction Fee for the First year. 
                            
                            
     Penalty Fees           
     � Late Payment        Up to $35 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is requi red by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account.  
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account.  
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section.  
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph.  
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes.  
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement.  
      
                                           2 
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mai l does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�).  
      
     8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $45.00. The Annual Membership Fee will be billed to your 
     Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to be charg ed until you pay 
     your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for any 
     Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to 
     you at least once every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited 
     to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability of customer service representatives 
     for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit.  
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:  
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
     other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
     and Cash Advances may vary and will be determined by adding 16.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
     edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
     next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
     applied to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.75% plus 16.65%, 
     currently 21.40% (corresponding monthly periodic rate of 1.7833%). The APR will never be greater than 29.90% (corresponding monthly periodic 
     rate of 2.4916%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest 
     Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. 
     Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account u ntil the date it is 
     paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily 
     balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any 
     payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing 
     cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be 
     assessed on all �average daily balances� until paid in full. All Purchases, Cash Advances, fees or charges accrue finance charges starting on the 
     date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero.  
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the 
     First year.  
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement.  
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement.  
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
     Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
     like Purchases.  
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account.  
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
     your Account.  
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
                                           3 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.  
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment.  
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount.  
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt.  
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically.  
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it.  
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account.  
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection.  
      
     18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
     any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
     in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
     email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which we obtain through 
     other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
     telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
                                           4 
     reasonable  attorneys�  fees,  incurred  as  a  result  of  us  contacting  or  attempting  to  contact  you  at  the  number(s).  (c)  COMMUNICATION 
     REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
     revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
     (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
     requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Email and Text Notifications� section to remove these notifications. We cannot remove these online account notifications 
     for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default.  
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
     any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.  
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account.  
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason.  
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement.  
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account.  
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
                                           5 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242.  
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice.  
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.  
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.  
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
                                            
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�)  
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of �eligible net Purchases� 
     (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to your Account 
     within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the previous month to the 
     26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL 
     NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.�  
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
     eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
     will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Co des. Although a 
     merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
     Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
     using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using diff erent SIC Codes, 
     including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
     no reward. Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
     clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target).  
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards.  
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit.  
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                                           6 
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must 
     be true: 
     1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
      
                                           7 
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the  application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
                                           8 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00974  D839 / M-124510 
                                           9 
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     D031            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.49% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
     Fees                  after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Fee          $0 First year, then $39 billed Annually. 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
      
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
                                           2 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement electronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. ANNUAL FEE: There is no Annual Fee for your Account in Year one (during the first 12 months after account opening). The Annual Fee for your 
     Account beginning in Year two is $39.00. The Annual Fee will be billed to your Account as long as it remains open or, if your Account is closed by 
     you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. The Annual Fee is refundable as long as you 
     cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. An Annual Fee Notice, 
     as required by regulation, will be provided to you at least once every 12 months. The Annual Fee is imposed for providing services related to your 
     Account, including but not limited to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability of 
     customer service representatives for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional 
     credit. 
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees 
     and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash 
     Advances may vary and will be determined by adding 20.74% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The 
     Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business 
     day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied to all 
     balances on the Account. The APR for all balances is 4.75% plus 20.74%, currently 25.49% (corresponding monthly periodic rate of 2.1241%). The 
     most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are 
     charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your 
     Account balance is paid in full each month, Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is 
     posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of 
     your Account. To get the �average daily balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash 
     Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we 
     add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily 
     balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed 
     for current transactions, other than Cash Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. 
     All Cash Advances and Cash Advance fees accrue finance charges starting on the date of posting, even if the new balance from your previous 
     statement was paid in full or even if that new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and 
     other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like 
     Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
     your Account. 
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
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     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection.  
      
     18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to 
     contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful 
     purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial 
     voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you 
     contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card 
     for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
     Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming 
     communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) 
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs 
     and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) 
     Communication Revocation:  If  you  do  not want  to receive  communications  as  described in the previous paragraph, you may revoke that 
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     authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, (ii) in that written notice, include your 
     name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, 
     telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or 
     email, please provide the specific phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer 
     Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications 
     previously selected as part of your online account, you must update your preferences under the �Settings� section to remove these notifications. We 
     cannot remove these online account notifications for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may 
     terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a 
     dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any 
     other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
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     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement. 
       
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
                                            
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is 
     determined based on the following types of Purchases made with your Account: 1% on all �eligible net Purchases� made with your Account. Eligible 
     net Purchases are defined as Purchases minus any returns or other credits from the same merchants. You will not earn rewards on Cash Advances 
     and Fees. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of corresponding �eligible net 
     Purchases� made with your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined 
     within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your 
     billing statement as �Credit One Rewards Credit.� 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
      
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
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     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must 
     be true: 
     1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
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       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims,  third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
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     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00962  D031 / M-124506 
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     D054            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.40% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
     Fees                  after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $39 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
                            
                            
     Penalty Fees           
     � Late Payment        Up to $38 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
      
     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee 
     will reduce the amount of your available credit. You may see this fee referred to as Authorized User Participation Fee as we update our card 
     member communications and web and mobile application pages. 
      
      
      
      
      
      
      
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                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone. 
     Authorized User Card Fee: An Authorized User Card Fee of $19.00 will be imposed for issuing a card in the Authorized User�s name. This Fee will 
     be assessed annually in the month the Authorized User was added to the Account. 
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You pr omise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
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     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mai l does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. ANNUAL FEE: The Annual Fee for your Account is $39.00. The Annual Fee will be billed to your Account as long as it remains open or, if your 
     Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. The Annual Fee is 
     refundable as long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a 
     payment. An Annual Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual F ee is imposed for 
     providing services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing 
     renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting agencies, and 
     providing the opportunity for additional credit. 
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees 
     and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash 
     Advances may vary and will be determined by adding 20.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The 
     Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business 
     day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied to all 
     balances on the Account. The APR for all balances is 4.75% plus 20.65%, currently 25.40% (corresponding monthly periodic rate of 2.1166%). The 
     most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are 
     charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your 
     Account balance is paid in full each month, Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is 
     posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of 
     your Account. To get the �average daily balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash 
     Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we 
     add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily 
     balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed 
     for current transactions, other than Cash Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. 
     All Cash Advances and Cash Advance fees accrue finance charges starting on the date of posting, even if the new balance from your previous 
     statement was paid in full or even if that new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5 or 8% of the amount advanced, whichever is greater. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and 
     other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance  Charges like 
     Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $38.00 will be charged to 
     your Account. 
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
                                           3 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to 
     contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful 
     purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial 
     voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you 
     contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card 
     for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
     Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming 
     communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement f rom us. (b) 
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs 
                                           4 
     and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) 
     Communication Revocation:  If you do not want to receive communications as described in the previous paragraph, you may revoke that 
     authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, (ii) in that written notice, include your 
     name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, 
     telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or 
     email, please provide the specific phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer 
     Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications 
     previously selected as part of your online account, you must update your preferences under the �Settings� section to remove these notifications. We 
     cannot remove these online account notifications for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Cr edit One Bank may 
     terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a 
     dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any 
     other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntar y or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
                                           5 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Experian ScoreX Credit Score you must register for Online Account Access at 
     www.CreditOneBank.com and accept the online Terms of Use/Credit Score Authorization Agreement. Availability can take up to 60 days from your 
     enrollment date. Your Experian ScoreX credit score is not used to determine your creditworthiness for this card offer. It is to help you understand 
     your credit score and for your own non-commercial, personal educational review, use and benefit. This service is subject to change or cancellation 
     without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N. A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net 
     Purchases� (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to 
     your Account within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the 
     previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to 
     be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
     eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
     will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Co des. Although a 
     merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
     Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
     using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using different SIC Codes, 
     including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
     no reward.  Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
     clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
      
                                           6 
                                            
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must 
     be true: 
     1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
                                           7 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
      
                                           8 
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitrat ion (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00951  D054 / M-124220 
                                           9 
      Back to Top
     D055            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.40% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       You will be charged interest on Purchases and Cash Advances from the posting date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Fee will be billed to your Account when it is opened and will reduce the amount of 
     Fees                  your initial available credit. If your Account is established with a $300 credit line, your initial available 
                           credit will be only about $225. If established with a $400 credit line, your initial available credit will be 
                           only about $325. If established with a $500 credit line, your initial available credit will be only about 
                           $425. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $75 for the First year. After that, $99 annually ($8.25 per month). 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
     � Foreign Transaction  Either $1 or 3% of the amount of each purchases in U.S. dollars, whichever is greater. 
      
                            
     Penalty Fees           
     � Late Payment        Up to $38 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
      
     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee 
     will reduce the amount of your available credit. You may see this fee referred to as Authorized User Participation Fee as we update our card 
     member communications and web and mobile application pages. 
      
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is requi red by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
     Authorized User Card Fee: An Authorized User Card Fee of $19.00 will be imposed for issuing a card in the Authorized User�s name. This Fee will 
     be assessed annually in the month the Authorized User was added to the Account. 
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
                                           2 
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement electronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mai l does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. ANNUAL FEE: The Annual Fee for your Account in Year one is $75.00 and will be billed to your Account when it is opened. The Annual Fee for 
     your Account beginning in Year two is $99.00 and will be billed to your Account in monthly installments of $8.25 per month. The Annual Fee will be 
     billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Fee will continue to be charged until you pay 
     your outstanding balance in full. The Annual Fee is refundable as long as you cancel your Account and have not used your card for any Purchases 
     or Cash Advances and you have not made a payment. An Annual Fee Notice, as required by regulation, will be provided to you at least once every 
     12 months. The Annual Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card 
     with participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit 
     information to credit reporting agencies, and providing the opportunity for additional credit. 
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees 
     and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash 
     Advances may vary and will be determined by adding 20.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The 
     Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business 
     day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied to all 
     balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.75% plus 20.65%, currently 
     25.40% (corresponding monthly periodic rate of 2.1166%). The most recent Annual Percentage Rate was disclosed to you when you received your 
     credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing 
     cycle in which an Interest Charge is due. Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is 
     posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of 
     your Account. To get the �average daily balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash 
     Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we 
     add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily 
     balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. All Purchases, Cash Advances, fees or 
     charges accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that 
     new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and 
     other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like 
     Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $38.00 will be charged to 
     your Account. 
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
                                           3 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employeesand our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to 
     contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful 
     purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial 
     voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you 
     contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card 
     for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
     Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming 
     communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) 
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs 
                                           4 
     and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) 
     Communication Revocation:  If you do not want to receive communications as described in the previous paragraph, you may revoke that 
     authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, (ii) in that written notice, include your 
     name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, 
     telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or 
     email, please provide the specific phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer 
     Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications 
     previously selected as part of your online account, you must update your preferences under the �Settings� section to remove these notifications. We 
     cannot remove these online account notifications for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) y ou are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may 
     terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a 
     dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any 
     other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
                                           5 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Experian ScoreX Credit Score you must register for Online Account Access at 
     www.CreditOneBank.com and accept the online Terms of Use/Credit Score Authorization Agreement. Availability can take up to 60 days from your 
     enrollment date. Your Experian ScoreX credit score is not used to determine your creditworthiness for this card offer. It is to help you understand 
     your credit score and for your own non-commercial, personal educational review, use and benefit. This service is subject to change or cancellation 
     without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
                                            
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net 
     Purchases� (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to 
     your Account within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from th e 27th of the 
     previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to 
     be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
     eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
     will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Codes. Although a 
     merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
     Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
     using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using diff erent SIC Codes, 
     including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
     no reward.  Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
     clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be require d to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
      
                                           6 
                                            
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. To use this right, all of the following must 
     be true: 
     1. The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your Purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the Purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
      
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
                                           7 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
      
                                           8 
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimon y, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00950  D055 / M-124221 
                                           9 
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     D009            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.40% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       You will be charged interest on Purchases and Cash Advances from the posting date. 
     Minimum Interest Charge  If you are charged interest, the Minimum Interest Charge will be no less than $1.00. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Fee will be billed to your Account when it is opened and will reduce the amount of 
     Fees                  your initial available credit. If your Account is established with a $300 credit line, your initial available 
                           credit will be only about $225. If established with a $400 credit line, your initial available credit will be 
                           only about $325. If established with a $500 credit line, your initial available credit will be only about 
                           $425.  
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $75 for the first year. After that, $99 ($8.25 per month). 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater.  
                            
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
                            
                            
     Penalty Fees           
     � Late Payment        Up to $35 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
      
     Authorized User Participation Fee: If you request a card for an authorized user, we charge an Authorized User Participation Card Fee of 
     $19 annually. This fee will reduce the amount of your available credit. 
                                            
                                            
                                            
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                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law . As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account.  
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account.  
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section.  
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph.  
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You pro mise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes.  
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement.  
      
                                           2 
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�).  
      
     8. ANNUAL FEE: The Annual Fee for your Account in Year one is $75.00 and will be billed to your Account when it is opened. The Annual Fee for 
     your Account beginning in Year two is $99.00 and will be billed to your Account in monthly installments of $8.25 per month. The Annual Fee will be 
     billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Fee will continue to be charged until you pay 
     your outstanding balance in full. The Annual Fee is refundable as long as you cancel your Account and have not used your card for any Purchases 
     or Cash Advances and you have not made a payment. An Annual Fee Notice, as required by regulation, will be provided to you at least once every 
     12 months. The Annual Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card 
     with participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit 
     information to credit reporting agencies, and providing the opportunity for additional credit.  
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:  
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees 
     and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash 
     Advances may vary and will be determined by adding 20.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The 
     Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business 
     day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied to all 
     balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.75% plus 20.65%, currently 
     25.40% (corresponding monthly periodic rate of 2.1166%). The most recent Annual Percentage Rate was disclosed to you when you received your 
     credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing 
     cycle in which an Interest Charge is due. Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is 
     posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of 
     your Account. To get the �average daily balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash 
     Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we 
     add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily 
     balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. All Purchases, Cash Advances, fees or 
     charges accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that 
     new balance was zero.  
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater.  
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement.  
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement.  
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and 
     other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like 
     Purchases.  
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account.  
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
     your Account.  
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
                                           3 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.  
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment.  
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance o f $1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount.  
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt.  
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically.  
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it.  
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account.  
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection.  
      
     18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to 
     contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful 
     purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial 
     voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you 
     contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card 
     for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
     Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming 
     communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) 
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs 
                                           4 
     and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) 
     Communication Revocation:  If you do not want to receive communications as described in the previous paragraph, you may revoke that 
     authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, (ii) in that written notice, include your 
     name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, 
     telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or 
     email, please provide the specific phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer 
     Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications 
     previously selected as part of your online account, you must update your preferences under the �Settings� section to remove these notifications. We 
     cannot remove these online account notifications for you.  
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default.  
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Cr edit One Bank may 
     terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a 
     dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any 
     other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.  
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account.  
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason.  
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement.  
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account.  
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
                                           5 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242.  
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your Account you will need to: (1) Register for 
     Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice.  
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.  
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.  
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
                                            
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�)  
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is 
     determined based on the following types of Purchases made with your Account: 2% on �eligible net Purchases� made with your Account at the 
     NASCAR.com Superstore (store.NASCAR.com); 1% on all other �eligible net Purchases� (as defined below) made with your Account. You will not 
     earn rewards on Cash Advances and Fees. We will post a statement credit to your Account within seven days of the end of the month equal to 1% or 
     2% of corresponding �eligible net Purchases� made with your Account from the 27th of the previous month to the 26th of the current month. If your 
     Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. The 
     eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.�  
     ELIGIBLE NET PURCHASES: Eligible net Purchases are online Purchases from the NASCAR.com Superstore (store.NASCAR.com) and from 
     merchants using select Standard Industrial Classification Codes (�SIC Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are 
     eligible. For automotive parts and services Purchases, SIC Codes 5511, 5521, 5531, 5532, 5533, 5551, 5561, 5571, 5592, 5598, 5599, 7511, 7523, 
     7531, 7534, 7535, 7538, 7542 and 7549 are eligible. Although a merchant or the items that it sells may appear to fit the rewa rd categories, the 
     merchant may not have or use a SIC Code that is included in this Program, and Purchases with that merchant will not qualify for rewards. You WILL 
     NOT earn rewards if a merchant does not submit the Purchase using a SIC Code that has been designated for rewards. A merchant with more than 
     one location may submit Purchases using different SIC Codes, including SIC Codes that do not qualify under this Program. This means that 
     Purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants are not eligible 
     for rewards: oil, propane, home heating companies, PayPal, warehouse clubs (including but not limited to Sam�s Club and Costco), and discount 
     supercenters (including but not limited to Wal-Mart and Target).  
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for NASCAR, gasoline or automotive parts 
     and  services  Purchases  made  while  your  Account  is  in  default  as  defined  within  your  Cardholder  Agreement.  Disputed  or  unauthorized 
     Purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts already 
     enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards.  
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit.  
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
                                           6 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
      
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must 
     be true: 
     1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that acce sses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
      
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
                                           7 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
                                           8 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00971  D009 / M-124517 
                                           9 
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     D024            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.49% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
                           If you are charged interest, the minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge 
                           cycle in which an Interest Charge is due. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $300 credit line, your 
                           initial available credit with be $261. If established with a $400 credit line, then $361 initial available 
                           credit. If established with a $500 credit line, then $461 initial available credit. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $39 
                            
     � Authorized User     $19 annually (if applicable). 
       Participation Fee 
        
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
                           $400 will not receive a Cash Advance Transaction Fee for the First year. 
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
      
      
      
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
                                           2 
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement electronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account is $39.00. The Annual Membership Fee will be billed to your 
     Account as long as it remains open or, if your Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay 
     your outstanding balance in full. The Annual Membership Fee is refundable as long as you cancel your Account and have not used your card for any 
     Purchases or Cash Advances and you have not made a payment. An Annual Membership Fee Notice, as required by regulation, will be provided to 
     you at least once every 12 months. The Annual Membership Fee is imposed for providing services related to your Account, including but not limited 
     to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability of customer service representatives 
     for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional credit. 
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
     other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
     and Cash Advances may vary and will be determined by adding 20.74% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
     edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
     next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
     applied to all balances on the Account. The APR for all balances is 4.75% plus 20.74%, currently 25.49% (corresponding monthly periodic rate of 
     2.1241%). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual Percentage Rate 
     was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest 
     Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, 
     Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is 
     paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily 
     balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any 
     payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing 
     cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be 
     assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash 
     Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance 
     fees accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new 
     balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the 
     First year. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
     Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
     like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
     your Account. 
      
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     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
     any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
     in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
     email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which we obtain through 
     other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
                                           4 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
     telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
     reasonable  attorneys�  fees,  incurred  as  a  result  of  us  contacting  or  attempting  to  contact  you  at  the  number(s).  (c)  COMMUNICATION 
     REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
     revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
     (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
     requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Settings� section to remove these notifications. We cannot remove these online account notifications for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
     any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
                                           5 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement. 
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net 
     Purchases� (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to 
     your Account within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the 
     previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to 
     be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
     eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
     will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Codes. Although a 
     merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
     Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
     using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using different SIC Codes, 
     including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
     no reward. Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
     clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
                                           6 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
      
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must 
     be true: 
     1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
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     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims,  third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
                                           8 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00959  D024 / M-124502 
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     Back to Top
     D025            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.15% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       You will be charged interest on Purchases and Cash Advances from the posting date. 
     Minimum Interest Charge  If you are charged interest, the Minimum Interest Charge will be no less than $1.00. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
     Fees                  receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $39 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater.  
                            
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
                            
                            
     Penalty Fees           
     � Late Payment        Up to $35 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
      
     Authorized User Participation Fee: If you request a card for an authorized user, we charge an Authorized User Participation Card Fee of 
     $19 annually. This fee will reduce the amount of your available credit. 
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account.  
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account.  
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section.  
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph.  
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes.  
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement.  
      
                                           2 
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement electronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�).  
      
     8. ANNUAL FEE: The Annual Fee for your Account is $39.00. The Annual Fee will be billed to your Account as long as it remains open or, if your 
     Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. The Annual Fee is 
     refundable as long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a 
     payment. An Annual Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Fee is imposed for 
     providing services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing 
     renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting agencies, and 
     providing the opportunity for additional credit.  
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows:  
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees 
     and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash 
     Advances may vary and will be determined by adding 20.40% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The 
     Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business 
     day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied to all 
     balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.75% plus 20.40%, currently 
     25.15% (corresponding monthly periodic rate of 2.0958%). The most recent Annual Percentage Rate was disclosed to you when you received your 
     credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing 
     cycle in which an Interest Charge is due. Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is 
     posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of 
     your Account. To get the �average daily balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash 
     Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we 
     add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily 
     balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. All Purchases, Cash Advances, fees or 
     charges accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that 
     new balance was zero.  
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater.  
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement.  
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement.  
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and 
     other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like 
     Purchases.  
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account.  
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
     your Account.  
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
                                           3 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account.  
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment.  
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount.  
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt.  
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically.  
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it.  
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account.  
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to 
     contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful 
     purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial 
     voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you 
     contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card 
     for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
     Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming 
     communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) 
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs 
     and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) 
     Communication Revocation:  If  you  do  not want  to receive  communications  as  described in the  previous  paragraph,  you may  revoke  that 
                                           4 
     authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, (ii) in that written notice, include your 
     name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, 
     telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or 
     email, please provide the specific phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer 
     Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications 
     previously selected as part of your online account, you must update your preferences under the �Settings� section to remove these notifications. We 
     cannot remove these online account notifications for you.  
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default.  
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may 
     terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a 
     dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any 
     other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding.  
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account.  
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason.  
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement.  
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account.  
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242.  
                                           5 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your Account you will need to: (1) Register for 
     Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice.  
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again.  
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law.  
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net 
     Purchases� (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to 
     your Account within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the 
     previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to 
     be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.�  
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
     eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
     will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Codes. Although a 
     merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
     Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
     using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using different SIC Codes, 
     including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
     no reward. Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
     clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target).  
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards.  
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit.  
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                                            
                                            
                                           6 
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must 
     be true: 
     1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
      
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
      
                                           7 
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
                                           8 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00963  D025 / M-124516 
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     Back to Top
     D027            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE  17.49% 
     (APR) for Purchases 
                           This APR will vary with the market based on the Prime Rate. 
     ANNUAL PERCENTAGE RATE  25.49% 
     (APR) for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
                           If you are charged interest, the minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge 
                           cycle in which an Interest Charge is due. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
     Fees                  after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $0 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $10 or 3% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
                           $400 will not receive a Cash Advance Transaction Fee for the First year. 
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is requi red by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regar ding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
                                           2 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mai l does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Late Payment Fees and other fees and charges to 
     your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash Advances may 
     vary. The Purchase APR will be determined by adding 12.74% to the Prime Rate and the Cash Advance APR is determined by adding 20.74% to the 
     Prime Rate. The Prime Rate used to determine the Purchase and Cash Advance APR is the U.S. Prime Rate appearing in the �Money Rates� 
     section of any edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime 
     Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new 
     rate will be applied to all balances on the Account. The APR for Purchase balances is 4.75% plus 12.74%, currently 17.49% (corresponding monthly 
     periodic rate of 1.4575%). The APR for Cash Advance balances is 4.75% plus 20.74%, currently 25.49% (corresponding monthly periodic rate of 
     2.1241). The APR will never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual Percentage Rate 
     was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest 
     Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, 
     Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account u ntil the date it is 
     paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily 
     balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any 
     payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing 
     cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be 
     assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash 
     Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance 
     fees accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new 
     balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $10.00 or 3% of the amount advanced, whichever is greater. Credit lines less that $400 will not receive a Cash Advance Transaction Fee for the 
     First year. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Late Payment Charges, and other charges, 
     except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     9. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
     your Account. 
      
     10. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     11. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 3% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
                                           3 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     12. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     13. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     14. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     15. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     16. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     17. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to 
     contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful 
     purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial 
     voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you 
     contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card 
     for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
     Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming 
     communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement f rom us. (b) 
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs 
     and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) 
     Communication Revocation:  If you do not want to receive communications as described in the previous paragraph, you may revoke that 
     authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, (ii) in that written notice, include your 
     name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, 
     telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or 
     email, please provide the specific phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer 
     Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications 
                                           4 
     previously selected as part of your online account, you must update your preferences under the �Settings� section to remove these notifications. We 
     cannot remove these online account notifications for you. 
      
     18. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     19. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
     any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     20. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     21. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     22. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     23. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     24. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     25. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
                                           5 
     26. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     27. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     28. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     29. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement. 
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is 
     determined based on the following types of Purchases made with your Account: 1% on all �eligible net Purchases� made with your Account. Eligible 
     net Purchases are defined as Purchases minus any returns or other credits from the same merchants. You will not earn rewards on Cash Advances 
     and Fees. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of corresponding �eligible net 
     Purchases� made with your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined 
     within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your 
     billing statement as �Credit One Rewards Credit.� 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
      
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
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     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must 
     be true: 
     1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that acce sses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
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       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
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     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00977  D027 / M-124503 
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     D028            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.49% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
                           If you are charged interest, the minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge 
                           cycle in which an Interest Charge is due. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
     Fees                  after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $0 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $10 or 3% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
                           $400 will not receive a Cash Advance Transaction Fee for the First year. 
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
      
      
      
      
      
      
      
      
      
      
      
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                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
                                           2 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Late Payment Fees and other fees and charges to 
     your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash Advances may 
     vary and will be determined by adding 20.74% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The Wall Street 
     Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business day will be 
     used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied to all balances on 
     the Account. The APR for all balances is 4.75% plus 20.74%, currently 25.49% (corresponding monthly periodic rate of 2.1241%). The APR will 
     never be greater than 29.90% (corresponding monthly periodic rate of 2.4916%). The most recent Annual Percentage Rate was disclosed to you 
     when you received your credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will be no less 
     than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid in full each month, Periodic Finance Charges 
     will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be 
     calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily balance,� we take the 
     beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and 
     unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by 
     the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be assessed on all �average daily 
     balances� until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash Advances, if your Account is paid 
     in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance fees accrue finance charges 
     starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $10.00 or 3% of the amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the 
     First year. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Late Payment Charges, and other charges, 
     except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     9. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
     your Account. 
      
     10. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     11. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 3% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
                                           3 
      
     12. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     13. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     14. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     15. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     16. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     17. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to 
     contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful 
     purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial 
     voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you 
     contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card 
     for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
     Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming 
     communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) 
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs 
     and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) 
     Communication Revocation:  If you do not want to receive communications as described in the previous paragraph, you may revoke that 
     authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, (ii) in that written notice, include your 
     name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, 
     telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or 
     email, please provide the specific phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer 
     Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications 
     previously selected as part of your online account, you must update your preferences under the �Settings� section to remove these notifications. We 
     cannot remove these online account notifications for you. 
      
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     18. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     19. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
     any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     20. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     21. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     22. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     23. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     24. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     25. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     26. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     27. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
                                           5 
      
     28. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     29. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement. 
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is 
     determined based on the following types of Purchases made with your Account: 1% on all �eligible net Purchases� made with your Account. Eligible 
     net Purchases are defined as Purchases minus any returns or other credits from the same merchants. You will not earn rewards on Cash Advances 
     and Fees. We will post a statement credit to your Account within seven days of the end of the month equal to 1% of corresponding �eligible net 
     Purchases� made with your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined 
     within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your 
     billing statement as �Credit One Rewards Credit.� 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
      
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, 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. 
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     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must 
     be true: 
     1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
                                           7 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
                                           8 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00972  D028 / M-124504 
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     Back to Top
     D033            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.40% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       You will be charged interest on Purchases and Cash Advances on the posting date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Fee will be billed to your Account when it is opened and will reduce the amount of 
     Fees                  your initial available credit. If your Account is established with a $300 credit line, your initial available 
                           credit will be only about $225. If established with a $400 credit line, your initial available credit will be 
                           only about $325. If established with a $500 credit line, your initial available credit will be only about 
                           $425. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Fee          $75 First year, then $99 Annually (billed $8.75 per month). 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      
                            
     Penalty Fees           
     � Late Payment        Up to $35 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
      
     Authorized User Participation Fee: If you request a card for an authorized user, we charge an Authorized User Participation Card Fee of 
     $19 annually. This fee will reduce the amount of your available credit. 
      
                                            
                                            
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                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
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     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement electronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. ANNUAL FEE: The Annual Fee for your Account in Year one is $75.00 and will be billed to your Account when it is opened. The Annual Fee for 
     your Account beginning in Year two is $99.00 and will be billed to your Account in monthly installments of $8.25 per month. The Annual Fee will be 
     billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Fee will continue to be charged until you pay 
     your outstanding balance in full. The Annual Fee is refundable as long as you cancel your Account and have not used your card for any Purchases 
     or Cash Advances and you have not made a payment. An Annual Fee Notice, as required by regulation, will be provided to you at least once every 
     12 months. The Annual Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card 
     with participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit 
     information to credit reporting agencies, and providing the opportunity for additional credit. 
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees 
     and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash 
     Advances may vary and will be determined by adding 20.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The 
     Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business 
     day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied to all 
     balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.75% plus 20.65%, currently 
     25.40% (corresponding monthly periodic rate of 2.1166%). The most recent Annual Percentage Rate was disclosed to you when you received your 
     credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing 
     cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum Interest Charge for the First year. Periodic Finance 
     Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will 
     be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily balance,� we take the 
     beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and 
     unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by 
     the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be assessed on all �average daily 
     balances� until paid in full. All Purchases, Cash Advances, fees or charges accrue finance charges starting on the date of posting, even if the new 
     balance from your previous statement was paid in full or even if that new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and 
     other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like 
     Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
     your Account. 
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
                                           3 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to 
     contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful 
     purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial 
     voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you 
     contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card 
     for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
     Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming 
     communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) 
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs 
                                           4 
     and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) 
     Communication Revocation:  If  you  do  not want  to receive  communications  as  described in the  previous  paragraph,  you may  revoke  that 
     authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, (ii) in that written notice, include your 
     name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, 
     telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or 
     email, please provide the specific phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer 
     Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications 
     previously selected as part of your online account, you must update your preferences under the �Settings� section to remove these notifications. We 
     cannot remove these online account notifications for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may 
     terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a 
     dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any 
     other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
                                           5 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
                                            
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net 
     Purchases� (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to 
     your Account within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the 
     previous month to the 26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to 
     be posted, you WILL NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
     eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
     will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Codes. Although a 
     merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
     Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
     using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using different SIC Codes, 
     including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
     no reward. Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
     clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
      
                                           6 
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must 
     be true: 
     1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
      
                                           7 
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims,  third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
                                           8 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00953  D033 / M-124507 
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     D851            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.40% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       We will begin charging interest on Purchases and Cash Advances on the posting date. 
                           If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge  cycle in which an Interest Charge is due. Credit lines less than $400 will not receive a Minimum 
                           Interest Charge for the First year. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $300 credit line, your 
                           initial available credit will be $225. If established with a $400 credit line, then $325 initial available 
                           credit. If established with a $500 credit line, then $425 initial available credit. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $75 First year, then $99 billed monthly at $8.25. 
                            
     � Authorized User     $19 annually (if applicable). 
       Participation Fee    
      
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. Credit lines less than 
                           $400 will not receive a Cash Advance Transaction Fee for the First year. 
                            
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
                                           2 
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement electronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $75.00 and will be billed to your Account when it is 
     opened. The Annual Membership Fee for your Account beginning in year two is $99.00 and will be billed to your Account in monthly installments of 
     $8.25 per month. The Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the 
     Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. The Annual Membership Fee is refundable as 
     long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. An Annual 
     Membership Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Membership Fee is imposed 
     for providing services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing 
     renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting agencies, and 
     providing the opportunity for additional credit. 
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
     other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
     and Cash Advances may vary and will be determined by adding 20.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
     edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
     next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
     applied to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.75% plus 20.65%, 
     currently 25.40% (corresponding monthly periodic rate of 2.1166%). The APR will never be greater than 29.90% (corresponding monthly periodic 
     rate of 2.4916%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest 
     Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. 
     Credit lines less than $400 will not receive a Minimum Interest Charge for the First year. Periodic Finance Charges will be assessed from the date 
     the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly 
     periodic rate to the �average daily balance� of your Account. To get the �average daily balance,� we take the beginning balance of your Account each 
     day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This 
     gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. 
     This gives us the �average daily balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. All Purchases, 
     Cash Advances, fees or charges accrue finance charges starting on the date of posting, even if the new balance from your previous statement was 
     paid in full or even if that new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. Credit lines less than $400 will not receive a Cash Advance Transaction Fee for the 
     First year. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
     Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
     like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
     your Account. 
      
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     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
     any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
     in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
     email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which we obtain through 
     other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
                                           4 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
     telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
     reasonable  attorneys�  fees,  incurred  as  a  result  of  us  contacting  or  attempting  to  contact  you  at  the  number(s).  (c)  COMMUNICATION 
     REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
     revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
     (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
     requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Email and Text Notifications� section to remove these notifications. We cannot remove these online account notifications 
     for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
     any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
                                           5 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
                                            
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of �eligible net Purchases� 
     (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to your Account 
     within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the previous month to the 
     26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL 
     NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
     eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, cable and satellite TV service, SIC Code 4899 is eligible. You 
     will earn rewards for Purchases with the above mentioned SIC Codes minus any returns or other credits using those same SIC Codes. Although a 
     merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use a SIC Code that is included in this 
     Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn rewards if a merchant does not submit the Purchase 
     using a SIC Code that has been designated for rewards. A merchant with more than one location may submit Purchases using different SIC Codes, 
     including SIC Codes that do not qualify under this Program. This means that Purchases from the same merchant at a different location may result in 
     no reward. Purchases from the following types of merchants are not eligible for rewards: oil, propane, home heating companies, PayPal, warehouse 
     clubs (including but not limited to Sam�s Club and Costco), and discount supercenters (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
                                           6 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must 
     be true: 
     1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
                                           7 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims,  third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
                                           8 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00955  D851 / M-124509 
                                           9 
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     D036            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           21.40% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       You will be charged interest on Purchases and Cash Advances from the posting date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Fee will be billed to your Account when it is opened and will reduce the amount of 
     Fees                  your initial available credit. If your Account is established with a $300 credit line, your initial available 
                           credit will be only about $225. If established with a $400 credit line, your initial available credit will be 
                           only about $325. If established with a $500 credit line, your initial available credit will be only about 
                           $425. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $75 for the first year. After that, $99 ($8.25 per month). 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
     � Foreign Transaction  Either $1 or 3% of the amount of each purchases in U.S. dollars, whichever is greater. 
      
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
      
     Authorized User Participation Fee: If you request a card for an authorized user, we charge an Authorized User Participation Card Fee of 
     $19 annually. This fee will reduce the amount of your available credit. 
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You pro mise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
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     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. ANNUAL FEE: The Annual Fee for your Account in Year one is $75.00 and will be billed to your Account when it is opened. The Annual Fee for 
     your Account beginning in Year two is $99.00 and will be billed to your Account in monthly installments of $8.25 per month. The Annual Fee will be 
     billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Fee will continue to be charged until you pay 
     your outstanding balance in full. The Annual Fee is refundable as long as you cancel your Account and have not used your card for any Purchases 
     or Cash Advances and you have not made a payment. An Annual Fee Notice, as required by regulation, will be provided to you at least once every 
     12 months. The Annual Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card 
     with participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit 
     information to credit reporting agencies, and providing the opportunity for additional credit. 
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees 
     and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash 
     Advances may vary and will be determined by adding 16.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The 
     Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business 
     day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied to all 
     balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.75% plus 16.65%, currently 
     21.40% (corresponding monthly periodic rate of 1.7833%). The most recent Annual Percentage Rate was disclosed to you when you received your 
     credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing 
     cycle in which an Interest Charge is due. Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is 
     posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of 
     your Account. To get the �average daily balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash 
     Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we 
     add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily 
     balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. All Purchases, Cash Advances, fees or 
     charges accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that 
     new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and 
     other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance  Charges like 
     Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
     your Account. 
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
                                           3 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employeesand our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to 
     contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful 
     purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial 
     voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you 
     contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card 
     for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
     Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming 
     communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) 
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs 
                                           4 
     and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s).  (c) 
     Communication Revocation:  If you do not want to receive communications as described in the previous paragraph, you may revoke that 
     authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, (ii) in that written notice, include your 
     name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, 
     telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or 
     email, please provide the specific phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer 
     Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications 
     previously selected as part of your online account, you must update your preferences under the �Settings� section to remove these notifications. We 
     cannot remove these online account notifications for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) y ou are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may 
     terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a 
     dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any 
     other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
                                           5 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your Account you will need to: (1) Register for 
     Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
                                            
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is 
     determined based on the following types of Purchases made with your Account: 2% on �eligible net Purchases� made with your Account at the 
     NASCAR.com Superstore (store.NASCAR.com); 1% on all other �eligible net Purchases� (as defined below) made with your Account. You will not 
     earn rewards on Cash Advances and Fees. We will post a statement credit to your Account within seven days of the end of the month equal to 1% or 
     2% of corresponding �eligible net Purchases� made with your Account from the 27th of the previous month to the 26th of the current month. If your 
     Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. The 
     eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are online Purchases from the NASCAR.com Superstore (store.NASCAR.com) and from 
     merchants using select Standard Industrial Classification Codes (�SIC Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are 
     eligible. For automotive parts and services Purchases, SIC Codes 5511, 5521, 5531, 5532, 5533, 5551, 5561, 5571, 5592, 5598, 5599, 7511, 7523, 
     7531, 7534, 7535, 7538, 7542 and 7549 are eligible. Although a merchant or the items that it sells may appear to fit the rewa rd categories, the 
     merchant may not have or use a SIC Code that is included in this Program, and Purchases with that merchant will not qualify for rewards. You WILL 
     NOT earn rewards if a merchant does not submit the Purchase using a SIC Code that has been designated for rewards. A merchant with more than 
     one location may submit Purchases using different SIC Codes, including SIC Codes that do not qualify under this Program. This means that 
     Purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants are not eligible 
     for rewards: oil, propane, home heating companies, PayPal, warehouse clubs (including but not limited to Sam�s Club and Costco), and discount 
     supercenters (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for NASCAR, gasoline or automotive parts 
     and  services  Purchases  made  while  your  Account  is  in  default  as  defined  within  your  Cardholder  Agreement.  Disputed  or  unauthorized 
     Purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts already 
     enrolled in a different Credit One rewards program. 
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
                                           6 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
      
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. To use this right, all of the following must 
     be true: 
     1. The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your Purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the Purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
      
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
                                           7 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
                                           8 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimon y, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00970  D036 / M-124518 
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     D037            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.49% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
     Fees                  after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $39 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
                            
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
      
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
      
      
      
      
      
      
      
      
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone. 
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You pro mise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
                                           2 
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. ANNUAL FEE: The Annual Fee for your Account is $39.00. The Annual Fee will be billed to your Account as long as it remains open or, if your 
     Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. The Annual Fee is 
     refundable as long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a 
     payment. An Annual Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Fee is imposed for 
     providing services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing 
     renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting agencies, and 
     providing the opportunity for additional credit. 
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees 
     and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash 
     Advances may vary and will be determined by adding 20.74% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The 
     Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business 
     day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied to all 
     balances on the Account. The APR for all balances is 4.75% plus 20.74%, currently 25.49% (corresponding monthly periodic rate of 2.1241%). The 
     most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are 
     charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your 
     Account balance is paid in full each month, Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is 
     posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of 
     your Account. To get the �average daily balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash 
     Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we 
     add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily 
     balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed 
     for current transactions, other than Cash Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. 
     All Cash Advances and Cash Advance fees accrue finance charges starting on the date of posting, even if the new balance from your previous 
     statement was paid in full or even if that new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5 or 8% of the amount advanced, whichever is greater. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and 
     other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance  Charges like 
     Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
     your Account. 
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
                                           3 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to 
     contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful 
     purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial 
     voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you 
     contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card 
     for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
     Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming 
     communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) 
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs 
                                           4 
     and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) 
     Communication Revocation:  If you do not want to receive communications as described in the previous paragraph, you may revoke that 
     authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, (ii) in that written notice, include your 
     name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, 
     telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or 
     email, please provide the specific phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer 
     Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications 
     previously selected as part of your online account, you must update your preferences under the �Settings� section to remove these notifications. We 
     cannot remove these online account notifications for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may 
     terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a 
     dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any 
     other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
                                           5 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your Account you will need to: (1) Register for 
     Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is 
     determined based on the following types of Purchases made with your Account: 2% on �eligible net Purchases� made with your Account at the 
     NASCAR.com Superstore (store.NASCAR.com); 1% on all other �eligible net Purchases� (as defined below) made with your Account. You will not 
     earn rewards on Cash Advances and Fees. We will post a statement credit to your Account within seven days of the end of the month equal to 1% or 
     2% of corresponding �eligible net Purchases� made with your Account from the 27th of the previous month to the 26th of the current month. If your 
     Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. The 
     eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are online Purchases from the NASCAR.com Superstore (store.NASCAR.com) and from 
     merchants using select Standard Industrial Classification Codes (�SIC Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are 
     eligible. For automotive parts and services Purchases, SIC Codes 5511, 5521, 5531, 5532, 5533, 5551, 5561, 5571, 5592, 5598, 5599, 7511, 7523, 
     7531, 7534, 7535, 7538, 7542 and 7549 are eligible. Although a merchant or the items that it sells may appear to fit the rewa rd categories, the 
     merchant may not have or use a SIC Code that is included in this Program, and Purchases with that merchant will not qualify for rewards. You WILL 
     NOT earn rewards if a merchant does not submit the Purchase using a SIC Code that has been designated for rewards. A merchant with more than 
     one location may submit Purchases using different SIC Codes, including SIC Codes that do not qualify under this Program. This means that 
     Purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants are not eligible 
     for rewards: oil, propane, home heating companies, PayPal, warehouse clubs (including but not limited to Sam�s Club and Costco), and discount 
     supercenters (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for NASCAR, gasoline or automotive parts 
     and  services  Purchases  made  while  your  Account  is  in  default  as  defined  within  your  Cardholder  Agreement.  Disputed  or  unauthorized 
     Purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts already 
     enrolled in a different Credit One rewards program. 
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
                                           6 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
      
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must 
     be true: 
     1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
                                           7 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
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     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00973  D037 / M-124519 
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     D038            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.49% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
     Fees                  after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $0 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $10 or 3% of the amount of each Cash Advance, whichever is greater.  
                            
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
      
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone. 
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You pro mise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
                                           2 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Late Payment Fees and other fees and charges to 
     your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash Advances may 
     vary and will be determined by adding 20.74% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The Wall Street 
     Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business day will be 
     used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied to all balances on 
     the Account. The APR for all balances is 4.75% plus 20.74%, currently 25.49% (corresponding monthly periodic rate of 2.1241%). The most recent 
     Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; 
     the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid 
     in full each month, Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account 
     until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the 
     �average daily balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and 
     subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for 
     the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the �average dailybalance.� Periodic Finance Charges 
     will be assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed for current transactions, other than 
     Cash Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash 
     Advance fees accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if 
     that new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $10.00 or 3% of the amount advanced, whichever is greater. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Late Payment Charges, and other charges, 
     except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     9. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
     your Account. 
      
     10. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     11. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 3% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
                                           3 
     12. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     13. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     14. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     15. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     16. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     17. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to 
     contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful 
     purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial 
     voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you 
     contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card 
     for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
     Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming 
     communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement f rom us. (b) 
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs 
     and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) 
     Communication Revocation: If you do not want to receive communications as described in the previous paragraph, you may revoke that 
     authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, (ii) in that written notice, include your 
     name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, 
     telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or 
     email, please provide the specific phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer 
     Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications 
     previously selected as part of your online account, you must update your preferences under the �Settings� section to remove these notifications. We 
     cannot remove these online account notifications for you. 
      
                                           4 
     18. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     19. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
     any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     20. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     21. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     22. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     23. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     24. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     25. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your Account you will need to: (1) Register for 
     Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     26. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     27. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
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     28. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     29. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
                                            
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in theProgram. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is 
     determined based on the following types of Purchases made with your Account: 2% on �eligible net Purchases� made with your Ac count at the 
     NASCAR.com Superstore (store.NASCAR.com); 1% on all other �eligible net Purchases� made with your Account. Eligible net Purchases are 
     defined as Purchases minus any returns or other credits from the same merchants. You will not earn rewards on Cash Advances and Fees. We will 
     post a statement credit to your Account within seven days of the end of the month equal to 1% or 2% of corresponding �eligible net Purchases� made 
     with your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your 
     Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will sho w on your billing 
     statement as �Credit One Rewards Credit.� 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program. 
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
      
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, 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: 
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     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. To use this right, all of the following must 
     be true: 
     1. The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your Purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the Purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the Purchase. If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
      
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
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       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
                                           8 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00975  D038 / M-124520 
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     D039            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE  17.49% 
     (APR) for Purchases 
                           This APR will vary with the market based on the Prime Rate. 
     ANNUAL PERCENTAGE RATE  25.49% 
     (APR) for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest       interest on Purchases if you pay your entire balance by the Payment Due Date each month. We will 
                           begin charging interest on Cash Advances on the posting date. 
                           If you are charged interest, the minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge 
                           cycle in which an Interest Charge is due. 
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
     Fees                  after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $0 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $10 or 3% of the amount of each Cash Advance, whichever is greater. 
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
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                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law . As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You pro mise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
                                           2 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mai l does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Late Payment Fees and other fees and charges to 
     your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash Advances may 
     vary. The Purchase APR will be determined by adding 12.74% to the Prime Rate and the Cash Advance APR is determined by adding 20.74% to 
     the Prime Rate. The Prime Rate used to determine the Purchase and Cash Advance APR is the U.S. Prime Rate appearing in the �Money Rates� 
     section of any edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime 
     Rate on the next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new 
     rate will be applied to the applicable Purchase and Cash Advance balances on the Account. The APR for Purchase balances is 4.75% plus 12.74%, 
     currently 17.49% (corresponding monthly periodic rate of 1.4575%). The APR for Cash Advance balances is 4.75% plus 20.74%, currently 25.49% 
     (corresponding monthly periodic rate of 2.1241%). The most recent Annual Percentage Rate was disclosed to you when you received your credit 
     card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in 
     which an Interest Charge is due. Unless your Account balance is paid in full each month, Periodic Finance Charges will be assessed from the date 
     the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is paid in full, and will be calculated by applying the monthly 
     periodic rate to the �average daily balance� of your Account. To get the �average daily balance,� we take the beginning balance of your Account each 
     day, add any new Purchases, Cash Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This 
     gives us the daily balance. Then we add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. 
     This gives us the �average daily balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. No additional 
     Finance Charge will be assessed for current transactions, other than Cash Advances, if your Account is paid in full on or before the payment due 
     date shown on your billing statement. All Cash Advances and Cash Advance fees accrue finance charges starting on the date of posting, even if the 
     new balance from your previous statement was paid in full or even if that new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $10.00 or 3% of the amount advanced, whichever is greater. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Late Payment Charges, and other charges, 
     except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     9. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
     your Account. 
      
     10. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     11. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 3% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
                                           3 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     12. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     13. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     14. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     15. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     16. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     17. COMMUNICATIONS: (a) CONSENT: You are providing express written permission and consent authorizing Credit One Bank or its agents to 
     contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful 
     purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial 
     voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you 
     contact us or which we obtain through other means. Such lawful purposes include, butare not limited to: obtaining information; activation of the card 
     for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
     Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming 
     communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement f rom us. (b) 
     INDEMNIFICATION: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any 
     costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) 
     COMMUNICATION REVOCATION: If you do not want to receive communications as described in the previous paragraph, you may revoke that 
     authorization. You may revoke authorization by: (i) provide us with written notice revoking your prior consent, (ii) in that written notice, you must 
     include your name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease via 
     mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or 
     email, please provide the specific phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer 
     Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE ACCOUNT COMMUNICATIONS: If you do not want to receive communications 
                                           4 
     previously selected as part of your online account, you must update your preferences under the ��Settings� section to remove these notifications. 
     We cannot remove these online account notifications for you. 
      
     18. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     19. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
     any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     20. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     21. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     22. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     23. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     24. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     25. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your Account you will need to: (1) Register for 
     Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
                                           5 
     26. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     27. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     28. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     29. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement. 
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control. 
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is 
     determined based on the following types of Purchases made with your Account: 2% on �eligible net Purchases� made with your Ac count at the 
     NASCAR.com Superstore (store.NASCAR.com); 1% on all other �eligible net Purchases� made with your Account. Eligible net Purchases are 
     defined as Purchases minus any returns or other credits from the same merchants. You will not earn rewards on Cash Advances and Fees. We will 
     post a statement credit to your Account within seven days of the end of the month equal to 1% or 2% of corresponding �eligible net Purchases� made 
     with your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined within your 
     Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. The eligible credit(s) will sho w on your billing 
     statement as �Credit One Rewards Credit.� 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
      
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
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     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. To use this right, all of the following must 
     be true: 
     1. The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your Purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the Purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the Purchase. If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
                                           7 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
                                           8 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00976  D039 / M-124521 
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     D040            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           25.40% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       You will be charged interest on Purchases and Cash Advances from the posting date. 
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Fee will be billed to your Account when it is opened and will reduce the amount of 
     Fees                  your initial available credit. If your Account is established with a $300 credit line, your initial available 
                           credit will be only about $225. If established with a $400 credit line, your initial available credit will be 
                           only about $325. If established with a $500 credit line, your initial available credit will be only about 
                           $425. 
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $75 for the first year. After that, $99 ($8.25 per month). 
                            
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
     � Foreign Transaction  Either $1 or 3% of the amount of each purchases in U.S. dollars, whichever is greater. 
      
                            
     Penalty Fees           
     � Late Payment        Up to $37 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
      
     Authorized User Participation Fee: If you request a card for an authorized user, we charge an Authorized User Participation Card Fee of 
     $19 annually. This fee will reduce the amount of your available credit. 
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You pro mise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
                                           2 
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement el ectronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. ANNUAL FEE: The Annual Fee for your Account in Year one is $75.00 and will be billed to your Account when it is opened. The Annual Fee for 
     your Account beginning in Year two is $99.00 and will be billed to your Account in monthly installments of $8.25 per month. The Annual Fee will be 
     billed to your Account as long as it remains open or, if your Account is closed by you or us, the Annual Fee will continue to be charged until you pay 
     your outstanding balance in full. The Annual Fee is refundable as long as you cancel your Account and have not used your card for any Purchases 
     or Cash Advances and you have not made a payment. An Annual Fee Notice, as required by regulation, will be provided to you at least once every 
     12 months. The Annual Fee is imposed for providing services related to your Account, including but not limited to: the opportunity to use your card 
     with participating merchants, providing renewal cards, providing availability of customer service representatives for assistance, providing credit 
     information to credit reporting agencies, and providing the opportunity for additional credit. 
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees 
     and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash 
     Advances may vary and will be determined by adding 20.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The 
     Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business 
     day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied to all 
     balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.75% plus 20.65%, currently 
     25.40% (corresponding monthly periodic rate of 2.1166%). The most recent Annual Percentage Rate was disclosed to you when you received your 
     credit card. There is a Minimum Interest Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing 
     cycle in which an Interest Charge is due. Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is 
     posted to your Account until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of 
     your Account. To get the �average daily balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash 
     Advances, fees and charges, and subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we 
     add up all the daily balances for the billing cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily 
     balance.� Periodic Finance Charges will be assessed on all �average daily balances� until paid in full. All Purchases, Cash Advances, fees or 
     charges accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that 
     new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and 
     other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance  Charges like 
     Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $37.00 will be charged to 
     your Account. 
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
                                           3 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $ 1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to 
     contact you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful 
     purpose. The ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial 
     voice message, text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you 
     contact us or which we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card 
     for verification and identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the 
     Account; and providing information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming 
     communications from us or outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) 
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs 
                                           4 
     and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s).  (c) 
     Communication Revocation:  If you do not want to receive communications as described in the previous paragraph, you may revoke that 
     authorization. You may revoke authorization by: (i) providing us with written notice revoking your prior consent, (ii) in that written notice, include your 
     name, mailing address, and the last four digits of your Account number; (iii) advise whether you would like communications to cease via mail, 
     telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are requesting communications to cease via telephone number(s) and/or 
     email, please provide the specific phone number(s) and email address; (v) please send this written notice to: Attention � Credit One Bank Customer 
     Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) Online Account Communications: If you do not want to receive communications 
     previously selected as part of your online account, you must update your preferences under the �Settings� section to remove these notifications. We 
     cannot remove these online account notifications for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may 
     terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a 
     dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any 
     other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
                                           5 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your Account you will need to: (1) Register for 
     Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement. 
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit. The amount of the credit is 
     determined based on the following types of Purchases made with your Account: 2% on �eligible net Purchases� made with your Account at the 
     NASCAR.com Superstore (store.NASCAR.com); 1% on all other �eligible net Purchases� (as defined below) made with your Account. You will not 
     earn rewards on Cash Advances and Fees. We will post a statement credit to your Account within seven days of the end of the month equal to 1% or 
     2% of corresponding �eligible net Purchases� made with your Account from the 27th of the previous month to the 26th of the current month. If your 
     Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL NOT receive the credit. The 
     eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are online Purchases from the NASCAR.com Superstore (store.NASCAR.com) and from 
     merchants using select Standard Industrial Classification Codes (�SIC Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are 
     eligible. For automotive parts and services Purchases, SIC Codes 5511, 5521, 5531, 5532, 5533, 5551, 5561, 5571, 5592, 5598, 5599, 7511, 7523, 
     7531, 7534, 7535, 7538, 7542 and 7549 are eligible. Although a merchant or the items that it sells may appear to fit the rewa rd categories, the 
     merchant may not have or use a SIC Code that is included in this Program, and Purchases with that merchant will not qualify for rewards. You WILL 
     NOT earn rewards if a merchant does not submit the Purchase using a SIC Code that has been designated for rewards. A merchant with more than 
     one location may submit Purchases using different SIC Codes, including SIC Codes that do not qualify under this Program. This means that 
     Purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants are not eligible 
     for rewards: oil, propane, home heating companies, PayPal, warehouse clubs (including but not limited to Sam�s Club and Costco), and discount 
     supercenters (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for NASCAR, gasoline or automotive parts 
     and  services  Purchases  made  while  your  Account  is  in  default  as  defined  within  your  Cardholder  Agreement.  Disputed  or  unauthorized 
     Purchases/fraudulent transactions and illegal transactions do not earn rewards, unless otherwise specified. This Program excludes Accounts already 
     enrolled in a different Credit One rewards program. 
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
                                           6 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
      
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. To use this right, all of the following must 
     be true: 
     1. The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your Purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the Purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
      
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
                                           7 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
                                           8 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimon y, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00965  D040 / M-124522 
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      Back to Top
      
     D051                   CARD AGREEMENT   
      
     Pricing Summary 
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
     (APR) for Purchases and Balance  25.15% 
     Transfers            This APR will vary with the market based on the Prime Rate. 
     ANNUAL PERCENTAGE RATE  25.15% 
     (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                          Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest      interest on Purchases if you pay your entire balance by the due date each month. We will begin 
                          charging interest on Cash Advances and Balance Transfers from the posting date.  
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
     For Credit Card Tips from the 
                          To learn more about factors to consider when applying for or using a credit card, visit the website of the 
     Consumer Financial Protection 
                          Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                          NOTICE: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
                          after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
     Annual Fee           charges. 
                           
                          $39 
                           
     Transaction Fees      
     � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                           
     � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                           
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      
                           
     Penalty Fees          
     � Late Payment       Up to $38* 
                           
     � Returned Payment   Up to $38** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will 
     reduce the amount of your available credit. You may see this fee referred to as Authorized User Participation Fee as we update our card member 
     communications and web and mobile application pages. 
                                           1 
      
      
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     Currently the fee is $27, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $38. This fee will 
     not exceed the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less 
     any Late Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on 
     your statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $27, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $38. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase and Balance Transfer APR equals the Prime Rate plus a margin of 20.40%. This corresponds to a 
     monthly periodic rate of 2.09583%. The Cash Advance APR equals the Prime Rate plus a margin of 20.40%. This corresponds to a monthly periodic 
     rate of 2.09583%.  
      
     Balance Transfers: We do not currently offer Balance Transfers. When we offer Balance Transfers we will notify you.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least 
     the Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        ?  5% of your outstanding balance, rounded up to the next whole dollar, or $25, whichever is greater; 
        ?  any Late Payment Fee for the current billing cycle; 
        ?  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, with the Pricing Summary above, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card Center, P.O. Box 
     95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. To terminate an Authorized User, you 
     must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers 
     cannot be used to pay us or our affiliates. We do not currently offer Balance Transfers; thus, the provisions in this Agreement concerning Balance 
     Transfers currently have no effect. We will notify you when we offer Balance Transfers. A Balance Transfer will be subject to the terms of the 
     Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
                                           2 
      
      
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. The Account may not 
     be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, 
     without notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance 
     Transfer obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your av ailable credit by 
     the amount of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for 
     processing the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration 
     date to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even 
     if the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported 
     to the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of 
     you. We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) 
     have provided a copy of this Agreement to the Additional Cardholder, and (3) have told the Additional Cardholder that Credit One Bank will furnish 
     credit information about them to the credit reporting agencies in connection with the Account. The Additional Cardholder may report the Card lost or 
     stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers, once Balance Transfers become 
     available, will be the same as the APR for standard Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate 
                                           3 
      
      
     changes. The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the 
     Prime Rate changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid 
     interest. This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of 
     balance. We add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post 
     date. We add transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We 
     add all other fees to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is 
     negative, we treat it as zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the 
     �average daily balance� for that type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 
     12). This gives us the interest charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of 
     the billing cycle. The results for all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose 
     interest until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid 
     paying interest on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby 
     avoiding interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will 
     start charging interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is 
     billed to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your 
     Account and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of 
     your request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers, once Balance Transfers become available, will be the same as 
     the transaction fee for Cash Advances, unless a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You 
     will be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, 
     you will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
                                           4 
      
      
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as 
     follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or les s, the balance will be 
     rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing 
     cycles, the balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may 
     be a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any 
     postdated check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower 
     APRs being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional 
     lines of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit 
     reporting agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone number (including 
     mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you 
     include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message or email. 
     Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, contact us 
     or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized to provide 
     that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you can write us. 
     Please: 
        ?  include your name, mailing address, and the last four digits of your Account number;  
        ?  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        ?  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        ?  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
                                           5 
      
      
     Telephone Monitoring: You agree that we (and our affiliated agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this 
     information. You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents and other partners and 
     employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the 
     number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal 
     transaction; (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you 
     no longer permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance 
     immediately due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. 
     Any joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is 
     subject to an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The 
     rounding to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDIN G ARBITRATION. 
     You have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitra tor 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, 
     successors, predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in 
     connection with the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
                                           6 
      
      
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, 
     whether contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to 
     arbitration whether they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay 
     us in full any outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, 
     meaning, or scope of this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about 
     what Claims are subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be 
     enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS  YOU  REJECT  THIS  AGREEMENT  TO  ARBITRATE,  YOU  AND  WE  WAIVE  THE  RIGHT  TO  ASSERT  OR 
           PARTICIPATE IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN 
           ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same 
     account). This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the 
     individual who is the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable ad ministrator) office 
     located in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired 
     state appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The 
     arbitrator is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect 
     at the time the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this 
     Card Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. 
     Subject to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a 
     party any damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration 
     any damages or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting 
     forth the disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and 
     conclusions on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and 
     shall not have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic 
     hearing, or in an in-person hearing.  
      
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     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and 
     Costs�. Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the na med parties and 
     enforceable by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate 
     apply to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized 
     Users of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, 
     Attention: Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or 
     effective. If you decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include 
     your name, address, account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this 
     Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or 
     effect and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement 
     to arbitrate or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then 
     the agreement to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if 
     arbitration is unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement 
     or in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described 
     above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations 
     under this Agreement.  
      
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     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to 
     conform to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration 
     Provision. 
      
     Your Billing Rights: Keep this Document for Future Use  
     This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  
      
     What To Do If You Find A Mistake On Your Statement  
     If you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.  
      
     In your letter, give us the following information:  
        ?  Account information: Your name and Account number.  
        ?  Dollar amount: The dollar amount of the suspected error.  
        ?  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.  
      
     You must contact us:  
        ?  Within 60 days after the error appeared on your statement.  
        ?  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.  
      
     You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you 
     may have to pay the amount in question.  
      
     What Will Happen After We Receive Your Letter  
     When we receive your letter, we must do two things: 
      
     1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.  
     2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.  
      
     While we investigate whether or not there has been an error:  
        ?  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
        ?  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        ?  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        ?  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
     owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
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     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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate the company that sold you the goods or services.)  
     2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
        credit card account do not qualify.  
     3.  You must not yet have fully paid for the purchase.  
      
     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our 
     decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in 
     the Program.  Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement 
     controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other 
     charges. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made 
     with your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card 
     Agreement, at the time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        ?  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        ?  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        ?  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to 
           process the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        ?  gasoline,  
        ?  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        ?  mobile phone service, and  
        ?  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        ?  oil, propane, home heating companies,  
        ?  PayPal, 
        ?  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        ?  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
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     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required 
     to pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases 
     made while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit 
     One cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law.  The current  version of this Program may be found at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00986  D051 / M-124217 
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     D052                   CARD AGREEMENT   
      
     Pricing Summary 
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
     (APR) for Purchases and Balance  25.40% 
     Transfers            This APR will vary with the market based on the Prime Rate. 
     ANNUAL PERCENTAGE RATE  25.40% 
     (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                          You will be charged interest on Purchases, Balance Transfers and Cash Advances from the posting 
     Paying Interest 
                          date.  
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
     For Credit Card Tips from the 
                          To learn more about factors to consider when applying for or using a credit card, visit the website of the 
     Consumer Financial Protection 
                          Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                          NOTICE: The Annual Fee will be billed to your Account when it is opened and will reduce the amount of 
                          credit you initially have available. If your Account is established with a $300 credit line, your initial 
                          available credit will be only about $225. If your Account is established with a $400 credit line, your initial 
                          available credit will be only about $325. If your Account is established with a $500 credit line, your initial 
                          available credit will be only about $425. 
     Annual Fee 
                           
                          You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                          receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges. 
                           
                          $75 for the first year.  After that $99 annually ($8.25 per month). 
                           
     Transaction Fees      
     � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                           
     � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                           
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      
                           
     Penalty Fees          
     � Late Payment       Up to $38* 
                           
     � Returned Payment   Up to $38** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
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     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will 
     reduce the amount of your available credit. You may see this fee referred to as Authorized User Participation Fee as we update our card member 
     communications and web and mobile application pages. 
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     Currently the fee is $27, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $38. This fee will 
     not exceed the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less 
     any Late Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on 
     your statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $27, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $38. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase and Balance Transfer APR equals the Prime Rate plus a margin of 20.65%. This corresponds to a 
     monthly periodic rate of 2.11667%. The Cash Advance APR equals the Prime Rate plus a margin of 20.65%. This corresponds to a monthly periodic 
     rate of 2.11667%. 
      
     Balance Transfers: We do not currently offer Balance Transfers. When we offer Balance Transfers we will notify you.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least 
     the Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        ?  5% of your outstanding balance, rounded up to the next whole dollar, or $25, whichever is greater; 
        ?  any Late Payment Fee for the current billing cycle; 
        ?  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, with the Pricing Summary above, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card Center, P.O. Box 
     95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. To terminate an Authorized User, you 
     must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers 
     cannot be used to pay us or our affiliates. We do not currently offer Balance Transfers; thus, the provisions in this Agreement concerning Balance 
     Transfers currently have no effect. We will notify you when we offer Balance Transfers. A Balance Transfer will be subject to the terms of the 
     Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
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     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. The Account may not 
     be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, 
     without notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance 
     Transfer obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your av ailable credit by 
     the amount of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for 
     processing the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration 
     date to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even 
     if the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported 
     to the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of 
     you. We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added t o the Account, (2) 
     have provided a copy of this Agreement to the Additional Cardholder, and (3) have told the Additional Cardholder that Credit One Bank will furnish 
     credit information about them to the credit reporting agencies in connection with the Account. The Additional Cardholder may report the Card lost or 
     stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers, once Balance Transfers become 
     available, will be the same as the APR for standard Purchases, unless a promotional rate applies.  
      
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     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate 
     changes. The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the 
     Prime Rate changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid 
     interest. This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of 
     balance. We add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post 
     date. We add transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We 
     add all other fees to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is 
     negative, we treat it as zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the 
     �average daily balance� for that type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 
     12). This gives us the interest charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of 
     the billing cycle. The results for all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose 
     interest until you pay the total amount you owe us. There is no grace period and you cannot avoid paying interest on Purchases, Balance Transfers 
     or Cash Advances. 
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is 
     billed to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your 
     Account and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of 
     your request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers, once Balance Transfers become available, will be the same as 
     the transaction fee for Cash Advances, unless a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You 
     will be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, 
     you will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as 
     follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be 
                                           4 
      
      
     rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing 
     cycles, the balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may 
     be a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any 
     postdated check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower 
     APRs being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional 
     lines of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit 
     reporting agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone number (including 
     mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you 
     include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message or email. 
     Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, contact us 
     or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized to provide 
     that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you can write us. 
     Please: 
        ?  include your name, mailing address, and the last four digits of your Account number;  
        ?  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        ?  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        ?  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Telephone Monitoring: You agree that we (and our affiliated agents and contractors) may monitor and record any calls between you and us.  
      
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     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this 
     information. You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents and other partners and 
     employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the 
     number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal 
     transaction; (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you 
     no longer permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance 
     immediately due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. 
     Any joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is 
     subject to an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The 
     rounding to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDIN G ARBITRATION. 
     You have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidi aries, affiliates, 
     successors, predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in 
     connection with the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, 
     whether contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to 
                                           6 
      
      
     arbitration whether they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay 
     us in full any outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, 
     meaning, or scope of this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about 
     what Claims are subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be 
     enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS  YOU  REJECT  THIS  AGREEMENT  TO  ARBITRATE,  YOU  AND  WE  WAIVE  THE  RIGHT  TO  ASSERT  OR 
           PARTICIPATE IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN 
           ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same 
     account). This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the 
     individual who is the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable ad ministrator) office 
     located in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired 
     state appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The 
     arbitrator is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect 
     at the time the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this 
     Card Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. 
     Subject to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a 
     party any damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration 
     any damages or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting 
     forth the disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and 
     conclusions on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and 
     shall not have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic 
     hearing, or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
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     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and 
     Costs�. Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the na med parties and 
     enforceable by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate 
     apply to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized 
     Users of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, 
     Attention: Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or 
     effective. If you decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include 
     your name, address, account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this 
     Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or 
     effect and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement 
     to arbitrate or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then 
     the agreement to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if 
     arbitration is unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement 
     or in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described 
     above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations 
     under this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
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     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to 
     conform to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration 
     Provision. 
      
     Your Billing Rights: Keep this Document for Future Use  
     This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  
      
     What To Do If You Find A Mistake On Your Statement  
     If you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.  
      
     In your letter, give us the following information:  
        ?  Account information: Your name and Account number.  
        ?  Dollar amount: The dollar amount of the suspected error.  
        ?  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.  
      
     You must contact us:  
        ?  Within 60 days after the error appeared on your statement.  
        ?  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.  
      
     You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you 
     may have to pay the amount in question.  
      
     What Will Happen After We Receive Your Letter  
     When we receive your letter, we must do two things: 
      
     1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.  
     2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.  
      
     While we investigate whether or not there has been an error:  
        ?  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
        ?  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        ?  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        ?  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
     owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
      
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     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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate the company that sold you the goods or services.)  
     2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
        credit card account do not qualify.  
     3.  You must not yet have fully paid for the purchase.  
      
     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our 
     decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in 
     the Program.  Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement 
     controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other 
     charges. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made 
     with your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Car d 
     Agreement, at the time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        ?  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        ?  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        ?  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to 
           process the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        ?  gasoline,  
        ?  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        ?  mobile phone service, and  
        ?  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        ?  oil, propane, home heating companies,  
        ?  PayPal, 
        ?  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        ?  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
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     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required 
     to pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases 
     made while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit 
     One cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law.  The current version of this Program may be found at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00987  D052 / M-124218 
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     Back to Top  
      
     D058                   CARD AGREEMENT   
      
     Pricing Summary 
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
     (APR) for Purchases and Balance  25.40% 
     Transfers            This APR will vary with the market based on the Prime Rate. 
     ANNUAL PERCENTAGE RATE  25.40% 
     (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                          You will be charged interest on Purchases, Balance Transfers and Cash Advances from the posting 
     Paying Interest 
                          date.  
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
     For Credit Card Tips from the 
                          To learn more about factors to consider when applying for or using a credit card, visit the website of the 
     Consumer Financial Protection 
                          Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                          NOTICE: The Annual Fee will be billed to your Account when it is opened and will reduce the amount of 
                          credit you initially have available. If your Account is established with a $300 credit line, your initial 
                          available credit will be only about $225. If your Account is established with a $400 credit line, your initial 
                          available credit will be only about $325. If your Account is established with a $500 credit line, your initial 
                          available credit will be only about $425. 
     Annual Fee 
                           
                          You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                          receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges. 
                           
                          $75 for the first year.  After that $99 annually ($8.25 per month). 
                           
     Transaction Fees      
     � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                           
     � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                           
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      
                           
     Penalty Fees          
     � Late Payment       Up to $38* 
                           
     � Returned Payment   Up to $38** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
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     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will 
     reduce the amount of your available credit. You may see this fee referred to as Authorized User Participation Fee as we update our card member 
     communications and web and mobile application pages. 
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     Currently the fee is $27, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $38. This fee will 
     not exceed the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less 
     any Late Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on 
     your statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $27, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $38. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase and Balance Transfer APR equals the Prime Rate plus a margin of 20.65%. This corresponds to a 
     monthly periodic rate of 2.11667%. The Cash Advance APR equals the Prime Rate plus a margin of 20.65%. This corresponds to a monthly periodic 
     rate of 2.11667%. 
      
     Balance Transfers: We do not currently offer Balance Transfers. When we offer Balance Transfers we will notify you.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least 
     the Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        ?  5% of your outstanding balance, rounded up to the next whole dollar, or $25, whichever is greater; 
        ?  any Late Payment Fee for the current billing cycle; 
        ?  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, with the Pricing Summary above, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card Center, P.O. Box 
     95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. To terminate an Authorized User, you 
     must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers 
     cannot be used to pay us or our affiliates. We do not currently offer Balance Transfers; thus, the provisions in this Agreement concerning Balance 
     Transfers currently have no effect. We will notify you when we offer Balance Transfers. A Balance Transfer will be subject to the terms of the 
     Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
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     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. The Account may not 
     be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, 
     without notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance 
     Transfer obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your av ailable credit by 
     the amount of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for 
     processing the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration 
     date to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even 
     if the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported 
     to the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of 
     you. We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) 
     have provided a copy of this Agreement to the Additional Cardholder, and (3) have told the Additional Cardholder that Credit One Bank will furnish 
     credit information about them to the credit reporting agencies in connection with the Account. The Additional Cardholder may report the Card lost or 
     stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers, once Balance Transfers become 
     available, will be the same as the APR for standard Purchases, unless a promotional rate applies.  
      
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     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate 
     changes. The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the 
     Prime Rate changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid 
     interest. This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of 
     balance. We add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post 
     date. We add transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We 
     add all other fees to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is 
     negative, we treat it as zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the 
     �average daily balance� for that type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 
     12). This gives us the interest charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of 
     the billing cycle. The results for all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose 
     interest until you pay the total amount you owe us. There is no grace period and you cannot avoid paying interest on Purchases, Balance Transfers 
     or Cash Advances. 
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is 
     billed to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your 
     Account and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of 
     your request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers, once Balance Transfers become available, will be the same as 
     the transaction fee for Cash Advances, unless a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You 
     will be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, 
     you will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as 
     follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or les s, the balance will be 
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     rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing 
     cycles, the balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may 
     be a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any 
     postdated check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower 
     APRs being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional 
     lines of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit 
     reporting agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone number (including 
     mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you 
     include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message or email. 
     Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, contact us 
     or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized to provide 
     that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you can write us. 
     Please: 
        ?  include your name, mailing address, and the last four digits of your Account number;  
        ?  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        ?  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        ?  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Telephone Monitoring: You agree that we (and our affiliated agents and contractors) may monitor and record any calls between you and us.  
      
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     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this 
     information. You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents and other partners and 
     employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the 
     number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal 
     transaction; (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you 
     no longer permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance 
     immediately due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. 
     Any joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is 
     subject to an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The 
     rounding to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDIN G ARBITRATION. 
     You have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidi aries, affiliates, 
     successors, predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in 
     connection with the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, 
     whether contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to 
                                           6 
      
      
     arbitration whether they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay 
     us in full any outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, 
     meaning, or scope of this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about 
     what Claims are subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be 
     enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS  YOU  REJECT  THIS  AGREEMENT  TO  ARBITRATE,  YOU  AND  WE  WAIVE  THE  RIGHT  TO  ASSERT  OR 
           PARTICIPATE IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN 
           ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same 
     account). This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the 
     individual who is the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable ad ministrator) office 
     located in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired 
     state appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The 
     arbitrator is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect 
     at the time the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this 
     Card Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. 
     Subject to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a 
     party any damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration 
     any damages or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting 
     forth the disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and 
     conclusions on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and 
     shall not have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic 
     hearing, or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
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     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and 
     Costs�. Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and 
     enforceable by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate 
     apply to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized 
     Users of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, 
     Attention: Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or 
     effective. If you decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include 
     your name, address, account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this 
     Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or 
     effect and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement 
     to arbitrate or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then 
     the agreement to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if 
     arbitration is unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement 
     or in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described 
     above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations 
     under this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
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     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to 
     conform to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration 
     Provision. 
      
     Your Billing Rights: Keep this Document for Future Use  
     This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  
      
     What To Do If You Find A Mistake On Your Statement  
     If you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.  
      
     In your letter, give us the following information:  
        ?  Account information: Your name and Account number.  
        ?  Dollar amount: The dollar amount of the suspected error.  
        ?  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.  
      
     You must contact us:  
        ?  Within 60 days after the error appeared on your statement.  
        ?  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.  
      
     You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you 
     may have to pay the amount in question.  
      
     What Will Happen After We Receive Your Letter  
     When we receive your letter, we must do two things: 
      
     1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.  
     2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.  
      
     While we investigate whether or not there has been an error:  
        ?  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
        ?  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        ?  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        ?  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
     owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
      
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     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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate the company that sold you the goods or services.)  
     2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
        credit card account do not qualify.  
     3.  You must not yet have fully paid for the purchase.  
      
     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our 
     decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in 
     the Program.  Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement 
     controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other 
     charges. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made 
     with your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card 
     Agreement, at the time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        ?  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        ?  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        ?  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to 
           process the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        ?  gasoline,  
        ?  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        ?  mobile phone service, and  
        ?  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        ?  oil, propane, home heating companies,  
        ?  PayPal, 
        ?  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        ?  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
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     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required 
     to pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases 
     made while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit 
     One cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law.  The current version of this Program may be found at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00981  D058 / M-124224 
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     D059                   CARD AGREEMENT   
      
     Pricing Summary 
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
     (APR) for Purchases and Balance  25.40% 
     Transfers            This APR will vary with the market based on the Prime Rate. 
     ANNUAL PERCENTAGE RATE  25.40% 
     (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                          Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest      interest on Purchases if you pay your entire balance by the due date each month. We will begin 
                          charging interest on Cash Advances and Balance Transfers from the posting date.  
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
     For Credit Card Tips from the 
                          To learn more about factors to consider when applying for or using a credit card, visit the website of the 
     Consumer Financial Protection 
                          Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                          NOTICE: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
                          after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
     Annual Fee           charges. 
                           
                          $39 
                           
     Transaction Fees      
     � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                           
     � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                           
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      
                           
     Penalty Fees          
     � Late Payment       Up to $38* 
                           
     � Returned Payment   Up to $38** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will 
     reduce the amount of your available credit. You may see this fee referred to as Authorized User Participation Fee as we update our card member 
     communications and web and mobile application pages. 
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     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     Currently the fee is $27, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $38. This fee will 
     not exceed the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less 
     any Late Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on 
     your statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $27, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $38. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase and Balance Transfer APR equals the Prime Rate plus a margin of 20.65%. This corresponds to a 
     monthly periodic rate of 2.11667%. The Cash Advance APR equals the Prime Rate plus a margin of 20.65%. This corresponds to a monthly periodic 
     rate of 2.11667%. 
      
     Balance Transfers: We do not currently offer Balance Transfers. When we offer Balance Transfers we will notify you. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least 
     the Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        ?  5% of your outstanding balance, rounded up to the next whole dollar, or $25, whichever is greater; 
        ?  any Late Payment Fee for the current billing cycle; 
        ?  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, with the Pricing Summary above, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card Center, P.O. Box 
     95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. To terminate an Authorized User, you 
     must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers 
     cannot be used to pay us or our affiliates. We do not currently offer Balance Transfers; thus, the provisions in this Agreement concerning Balance 
     Transfers currently have no effect. We will notify you when we offer Balance Transfers. A Balance Transfer will be subject to the terms of the 
     Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
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     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. The Account may not 
     be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, 
     without notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance 
     Transfer obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your av ailable credit by 
     the amount of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for 
     processing the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration 
     date to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even 
     if the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported 
     to the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of 
     you. We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added t o the Account, (2) 
     have provided a copy of this Agreement to the Additional Cardholder, and (3) have told the Additional Cardholder that Credit One Bank will furnish 
     credit information about them to the credit reporting agencies in connection with the Account. The Additional Cardholder may report the Card lost or 
     stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers, once Balance Transfers become 
     available, will be the same as the APR for standard Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate 
                                           3 
      
      
     changes. The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the 
     Prime Rate changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid 
     interest. This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of 
     balance. We add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post 
     date. We add transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We 
     add all other fees to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is 
     negative, we treat it as zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the 
     �average daily balance� for that type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 
     12). This gives us the interest charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of 
     the billing cycle. The results for all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose 
     interest until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid 
     paying interest on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby 
     avoiding interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will 
     start charging interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is 
     billed to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your 
     Account and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of 
     your request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers, once Balance Transfers become available, will be the same as 
     the transaction fee for Cash Advances, unless a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You 
     will be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, 
     you will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
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     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as 
     follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or les s, the balance will be 
     rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing 
     cycles, the balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may 
     be a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any 
     postdated check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower 
     APRs being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional 
     lines of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit 
     reporting agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone number (including 
     mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you 
     include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message or email. 
     Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, contact us 
     or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are au thorized to provide 
     that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you can write us. 
     Please: 
        ?  include your name, mailing address, and the last four digits of your Account number;  
        ?  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        ?  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        ?  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
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     Telephone Monitoring: You agree that we (and our affiliated agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this 
     information. You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents and other partners and 
     employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the 
     number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal 
     transaction; (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you 
     no longer permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance 
     immediately due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. 
     Any joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is 
     subject to an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The 
     rounding to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDIN G ARBITRATION. 
     You have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, 
     successors, predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in 
     connection with the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
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     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, 
     whether contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to 
     arbitration whether they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay 
     us in full any outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, 
     meaning, or scope of this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about 
     what Claims are subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be 
     enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS  YOU  REJECT  THIS  AGREEMENT  TO  ARBITRATE,  YOU  AND  WE  WAIVE  THE  RIGHT  TO  ASSERT  OR 
           PARTICIPATE IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN 
           ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same 
     account). This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the 
     individual who is the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable ad ministrator) office 
     located in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired 
     state appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The 
     arbitrator is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect 
     at the time the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this 
     Card Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. 
     Subject to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a 
     party any damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration 
     any damages or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting 
     forth the disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and 
     conclusions on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and 
     shall not have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic 
     hearing, or in an in-person hearing.  
      
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     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and 
     Costs�. Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the na med parties and 
     enforceable by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate 
     apply to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized 
     Users of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, 
     Attention: Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or 
     effective. If you decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include 
     your name, address, account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this 
     Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or 
     effect and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement 
     to arbitrate or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then 
     the agreement to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if 
     arbitration is unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement 
     or in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described 
     above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations 
     under this Agreement.  
      
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     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to 
     conform to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration 
     Provision. 
      
     Your Billing Rights: Keep this Document for Future Use  
     This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  
      
     What To Do If You Find A Mistake On Your Statement  
     If you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.  
      
     In your letter, give us the following information:  
        ?  Account information: Your name and Account number.  
        ?  Dollar amount: The dollar amount of the suspected error.  
        ?  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.  
      
     You must contact us:  
        ?  Within 60 days after the error appeared on your statement.  
        ?  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.  
      
     You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you 
     may have to pay the amount in question.  
      
     What Will Happen After We Receive Your Letter  
     When we receive your letter, we must do two things: 
      
     1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.  
     2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.  
      
     While we investigate whether or not there has been an error:  
        ?  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
        ?  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        ?  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        ?  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
     owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
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     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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate the company that sold you the goods or services.)  
     2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
        credit card account do not qualify.  
     3.  You must not yet have fully paid for the purchase.  
      
     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our 
     decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in 
     the Program.  Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement 
     controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other 
     charges. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made 
     with your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card 
     Agreement, at the time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        ?  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        ?  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        ?  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to 
           process the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        ?  gasoline,  
        ?  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        ?  mobile phone service, and  
        ?  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        ?  oil, propane, home heating companies,  
        ?  PayPal, 
        ?  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        ?  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
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     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required 
     to pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases 
     made while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit 
     One cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law.  The current  version of this Program may be found at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00982  D059 / M-124225 
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     Back to Top
      
     D060                   CARD AGREEMENT   
      
     Pricing Summary 
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
     (APR) for Purchases and Balance  25.40% 
     Transfers            This APR will vary with the market based on the Prime Rate. 
     ANNUAL PERCENTAGE RATE  25.40% 
     (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                          You will be charged interest on Purchases, Balance Transfers and Cash Advances from the posting 
     Paying Interest 
                          date.  
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
     For Credit Card Tips from the 
                          To learn more about factors to consider when applying for or using a credit card, visit the website of the 
     Consumer Financial Protection 
                          Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                          NOTICE: The Annual Fee will be billed to your Account when it is opened and will reduce the amount of 
                          credit you initially have available. If your Account is established with a $300 credit line, your initial 
                          available credit will be only about $225. If your Account is established with a $400 credit line, your initial 
                          available credit will be only about $325. If your Account is established with a $500 credit line, your initial 
                          available credit will be only about $425. 
     Annual Fee 
                           
                          You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                          receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges. 
                           
                          $75 for the first year.  After that $99 annually ($8.25 per month). 
                           
     Transaction Fees      
     � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                           
     � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                           
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      
                           
     Penalty Fees          
     � Late Payment       Up to $38* 
                           
     � Returned Payment   Up to $38** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
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     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will 
     reduce the amount of your available credit. You may see this fee referred to as Authorized User Participation Fee as we update our card member 
     communications and web and mobile application pages. 
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     Currently the fee is $27, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $38. This fee will 
     not exceed the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less 
     any Late Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on 
     your statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $27, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $38. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase and Balance Transfer APR equals the Prime Rate plus a margin of 20.65%. This corresponds to a 
     monthly periodic rate of 2.11667%. The Cash Advance APR equals the Prime Rate plus a margin of 20.65%. This corresponds to a monthly periodic 
     rate of 2.11667%. 
      
     Balance Transfers: We do not currently offer Balance Transfers. When we offer Balance Transfers we will notify you. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least 
     the Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        ?  5% of your outstanding balance, rounded up to the next whole dollar, or $25, whichever is greater; 
        ?  any Late Payment Fee for the current billing cycle; 
        ?  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, with the Pricing Summary above, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card Center, P.O. Box 
     95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. To terminate an Authorized User, you 
     must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers 
     cannot be used to pay us or our affiliates. We do not currently offer Balance Transfers; thus, the provisions in this Agreement concerning Balance 
     Transfers currently have no effect. We will notify you when we offer Balance Transfers. A Balance Transfer will be subject to the terms of the 
     Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
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     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. The Account may not 
     be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, 
     without notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance 
     Transfer obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your av ailable credit by 
     the amount of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for 
     processing the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration 
     date to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even 
     if the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported 
     to the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of 
     you. We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added t o the Account, (2) 
     have provided a copy of this Agreement to the Additional Cardholder, and (3) have told the Additional Cardholder that Credit One Bank will furnish 
     credit information about them to the credit reporting agencies in connection with the Account. The Additional Cardholder may report the Card lost or 
     stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers, once Balance Transfers become 
     available, will be the same as the APR for standard Purchases, unless a promotional rate applies.  
      
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     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate 
     changes. The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the 
     Prime Rate changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid 
     interest. This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of 
     balance. We add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post 
     date. We add transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We 
     add all other fees to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is 
     negative, we treat it as zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the 
     �average daily balance� for that type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 
     12). This gives us the interest charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of 
     the billing cycle. The results for all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose 
     interest until you pay the total amount you owe us. There is no grace period and you cannot avoid paying interest on Purchases, Balance Transfers 
     or Cash Advances. 
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is 
     billed to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your 
     Account and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of 
     your request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers, once Balance Transfers become available, will be the same as 
     the transaction fee for Cash Advances, unless a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You 
     will be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, 
     you will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as 
     follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be 
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     rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing 
     cycles, the balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may 
     be a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any 
     postdated check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower 
     APRs being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional 
     lines of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit 
     reporting agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone number (including 
     mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you 
     include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message or email. 
     Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, contact us 
     or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized to provide 
     that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you can write us. 
     Please: 
        ?  include your name, mailing address, and the last four digits of your Account number;  
        ?  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        ?  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        ?  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Telephone Monitoring: You agree that we (and our affiliated agents and contractors) may monitor and record any calls between you and us.  
      
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     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this 
     information. You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents and other partners and 
     employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the 
     number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal 
     transaction; (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you 
     no longer permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance 
     immediately due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. 
     Any joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is 
     subject to an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The 
     rounding to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDIN G ARBITRATION. 
     You have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidi aries, affiliates, 
     successors, predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in 
     connection with the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, 
     whether contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to 
                                           6 
      
      
     arbitration whether they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay 
     us in full any outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, 
     meaning, or scope of this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about 
     what Claims are subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be 
     enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS  YOU  REJECT  THIS  AGREEMENT  TO  ARBITRATE,  YOU  AND  WE  WAIVE  THE  RIGHT  TO  ASSERT  OR 
           PARTICIPATE IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN 
           ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same 
     account). This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the 
     individual who is the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable ad ministrator) office 
     located in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired 
     state appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The 
     arbitrator is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect 
     at the time the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this 
     Card Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. 
     Subject to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a 
     party any damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration 
     any damages or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting 
     forth the disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and 
     conclusions on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and 
     shall not have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic 
     hearing, or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
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     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and 
     Costs�. Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the na med parties and 
     enforceable by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate 
     apply to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized 
     Users of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, 
     Attention: Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or 
     effective. If you decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include 
     your name, address, account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this 
     Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or 
     effect and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement 
     to arbitrate or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then 
     the agreement to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if 
     arbitration is unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement 
     or in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described 
     above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations 
     under this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
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     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to 
     conform to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration 
     Provision. 
      
     Your Billing Rights: Keep this Document for Future Use  
     This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  
      
     What To Do If You Find A Mistake On Your Statement  
     If you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.  
      
     In your letter, give us the following information:  
        ?  Account information: Your name and Account number.  
        ?  Dollar amount: The dollar amount of the suspected error.  
        ?  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.  
      
     You must contact us:  
        ?  Within 60 days after the error appeared on your statement.  
        ?  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.  
      
     You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you 
     may have to pay the amount in question.  
      
     What Will Happen After We Receive Your Letter  
     When we receive your letter, we must do two things: 
      
     1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.  
     2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.  
      
     While we investigate whether or not there has been an error:  
        ?  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
        ?  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        ?  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        ?  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
     owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
      
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     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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate the company that sold you the goods or services.)  
     2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
        credit card account do not qualify.  
     3.  You must not yet have fully paid for the purchase.  
      
     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our 
     decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
     the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. 
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement 
     controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 2% of Net Eligible Purchases (as 
     defined below) made at the NASCAR.com Superstore (store.NASCAR.com) with your Account and 1% of all other Net Eligible Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your Account from the 27th of 
     the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be 
     posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        ?  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        ?  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code. 
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        ?  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to 
           process the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        ?  gasoline,  
        ?  automotive parts and services. 
         
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        ?  oil, propane, home heating companies,  
        ?  PayPal, 
        ?  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        ?  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required 
                                          10 
      
      
     to pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases 
     made while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit 
     One cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of  Eligible  Purchases.  We  will  give  you  prior  notice  to  the  extent  required  by  law.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00983  D060 / M-124226 
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     D061                   CARD AGREEMENT   
      
     Pricing Summary 
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
     (APR) for Purchases and Balance  25.49% 
     Transfers            This APR will vary with the market based on the Prime Rate. 
     ANNUAL PERCENTAGE RATE  25.49% 
     (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                          Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest      interest on Purchases if you pay your entire balance by the due date each month. We will begin 
                          charging interest on Cash Advances and Balance Transfers from the posting date.  
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
     For Credit Card Tips from the 
                          To learn more about factors to consider when applying for or using a credit card, visit the website of the 
     Consumer Financial Protection 
                          Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                          NOTICE: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
                          after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
     Annual Fee           charges. 
                           
                          $0 for the first year.  After that $39 annually. 
                           
     Transaction Fees      
     � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                           
     � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                           
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      
                           
     Penalty Fees          
     � Late Payment       Up to $38* 
                           
     � Returned Payment   Up to $38** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     Currently the fee is $27, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $38. This fee will 
     not exceed the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less 
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     any Late Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on 
     your statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $27, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $38. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase and Balance Transfer APR equals the Prime Rate plus a margin of 20.74%. This corresponds to a 
     monthly periodic rate of 2.12417%. The Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This corresponds to a monthly periodic 
     rate of 2.12417%. 
      
     Balance Transfers: We do not currently offer Balance Transfers. When we offer Balance Transfers we will notify you.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least 
     the Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        ?  5% of your outstanding balance, rounded up to the next whole dollar, or $25, whichever is greater; 
        ?  any Late Payment Fee for the current billing cycle; 
        ?  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, with the Pricing Summary above, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card Center, P.O. Box 
     95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. To terminate an Authorized User, you 
     must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers 
     cannot be used to pay us or our affiliates. We do not currently offer Balance Transfers; thus, the provisions in this Agreement concerning Balance 
     Transfers currently have no effect. We will notify you when we offer Balance Transfers. A Balance Transfer will be subject to the terms of the 
     Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
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     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. The Account may not 
     be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, 
     without notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance 
     Transfer obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your av ailable credit by 
     the amount of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for 
     processing the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration 
     date to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even 
     if the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported 
     to the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of 
     you. We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) 
     have provided a copy of this Agreement to the Additional Cardholder, and (3) have told the Additional Cardholder that Credit One Bank will furnish 
     credit information about them to the credit reporting agencies in connection with the Account. The Additional Cardholder may report the Card lost or 
     stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers, once Balance Transfers become 
     available, will be the same as the APR for standard Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate 
     changes. The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the 
     Prime Rate changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
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     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid 
     interest. This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of 
     balance. We add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post 
     date. We add transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We 
     add all other fees to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is 
     negative, we treat it as zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the 
     �average daily balance� for that type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 
     12). This gives us the interest charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of 
     the billing cycle. The results for all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose 
     interest until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid 
     paying interest on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby 
     avoiding interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will 
     start charging interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is 
     billed to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your 
     Account and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of 
     your request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers, once Balance Transfers become available, will be the same as 
     the transaction fee for Cash Advances, unless a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You 
     will be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, 
     you will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as 
     follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or les s, the balance will be 
                                           4 
      
      
     rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing 
     cycles, the balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may 
     be a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any 
     postdated check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower 
     APRs being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional 
     lines of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit 
     reporting agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone number (including 
     mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you 
     include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message or email. 
     Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, contact us 
     or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized to provide 
     that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you can write us. 
     Please: 
        ?  include your name, mailing address, and the last four digits of your Account number;  
        ?  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        ?  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        ?  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Telephone Monitoring: You agree that we (and our affiliated agents and contractors) may monitor and record any calls between you and us.  
      
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     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this 
     information. You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents and other partners and 
     employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the 
     number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal 
     transaction; (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you 
     no longer permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance 
     immediately due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. 
     Any joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is 
     subject to an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The 
     rounding to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDIN G ARBITRATION. 
     You have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitra tor 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, 
     successors, predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in 
     connection with the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, 
     whether contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to 
                                           6 
      
      
     arbitration whether they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay 
     us in full any outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, 
     meaning, or scope of this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about 
     what Claims are subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be 
     enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS  YOU  REJECT  THIS  AGREEMENT  TO  ARBITRATE,  YOU  AND  WE  WAIVE  THE  RIGHT  TO  ASSERT  OR 
           PARTICIPATE IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN 
           ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same 
     account). This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the 
     individual who is the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable ad ministrator) office 
     located in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired 
     state appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The 
     arbitrator is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect 
     at the time the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this 
     Card Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. 
     Subject to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a 
     party any damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration 
     any damages or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting 
     forth the disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and 
     conclusions on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and 
     shall not have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic 
     hearing, or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
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     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and 
     Costs�. Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the na med parties and 
     enforceable by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate 
     apply to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized 
     Users of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, 
     Attention: Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or 
     effective. If you decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include 
     your name, address, account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this 
     Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or 
     effect and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement 
     to arbitrate or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then 
     the agreement to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if 
     arbitration is unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement 
     or in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described 
     above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations 
     under this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
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     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to 
     conform to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration 
     Provision. 
      
     Your Billing Rights: Keep this Document for Future Use  
     This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  
      
     What To Do If You Find A Mistake On Your Statement  
     If you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.  
      
     In your letter, give us the following information:  
        ?  Account information: Your name and Account number.  
        ?  Dollar amount: The dollar amount of the suspected error.  
        ?  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.  
      
     You must contact us:  
        ?  Within 60 days after the error appeared on your statement.  
        ?  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.  
      
     You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you 
     may have to pay the amount in question.  
      
     What Will Happen After We Receive Your Letter  
     When we receive your letter, we must do two things: 
      
     1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.  
     2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.  
      
     While we investigate whether or not there has been an error:  
        ?  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
        ?  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        ?  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        ?  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
     owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
      
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     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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate the company that sold you the goods or services.)  
     2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
        credit card account do not qualify.  
     3.  You must not yet have fully paid for the purchase.  
      
     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our 
     decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
     the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. 
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement 
     controls.  
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made 
     with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a 
     statement credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of 
     the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be 
     posted, you WILL NOT receive the credit. Cash back rewards have no cash value.  
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by 
     law. The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your 
     ability to earn cash back rewards.  
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00984  D061 / M-124499 
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       Back to Top
      
     D062                   CARD AGREEMENT   
      
     Pricing Summary 
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
     (APR) for Purchases and Balance  25.49% 
     Transfers            This APR will vary with the market based on the Prime Rate. 
     ANNUAL PERCENTAGE RATE  25.49% 
     (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                          You will be charged interest on Purchases, Balance Transfers and Cash Advances from the posting 
     Paying Interest 
                          date.  
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
     For Credit Card Tips from the 
                          To learn more about factors to consider when applying for or using a credit card, visit the website of the 
     Consumer Financial Protection 
                          Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                          NOTICE: The Annual Fee will be billed to your Account when it is opened and will reduce the amount of 
                          credit you initially have available. If your Account is established with a $300 credit line, your initial 
                          available credit will be only about $225. If your Account is established with a $400 credit line, your initial 
                          available credit will be only about $325. If your Account is established with a $500 credit line, your initial 
                          available credit will be only about $425. 
     Annual Fee 
                           
                          You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                          receiving a billing statement. If you do reject the plan, you are not responsible for any fees or charges. 
                           
                          $75 for the first year.  After that $99 annually ($8.25 per month). 
                           
     Transaction Fees      
     � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                           
     � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                           
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      
                           
     Penalty Fees          
     � Late Payment       Up to $38* 
                           
     � Returned Payment   Up to $38** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
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     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will 
     reduce the amount of your available credit. You may see this fee referred to as Authorized User Participation Fee as we update our card member 
     communications and web and mobile application pages. 
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     Currently the fee is $27, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $38. This fee will 
     not exceed the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less 
     any Late Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on 
     your statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $27, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $38. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase and Balance Transfer APR equals the Prime Rate plus a margin of 20.74%. This corresponds to a 
     monthly periodic rate of 2.12417%. The Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This corresponds to a monthly periodic 
     rate of 2.12417%. 
      
     Balance Transfers: We do not currently offer Balance Transfers. When we offer Balance Transfers we will notify you.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least 
     the Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        ?  5% of your outstanding balance, rounded up to the next whole dollar, or $25, whichever is greater; 
        ?  any Late Payment Fee for the current billing cycle; 
        ?  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, with the Pricing Summary above, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card Center, P.O. Box 
     95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. To terminate an Authorized User, you 
     must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers 
     cannot be used to pay us or our affiliates. We do not currently offer Balance Transfers; thus, the provisions in this Agreement concerning Balance 
     Transfers currently have no effect. We will notify you when we offer Balance Transfers. A Balance Transfer will be subject to the terms of the 
     Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
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     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. The Account may not 
     be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, 
     without notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance 
     Transfer obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by 
     the amount of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for 
     processing the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration 
     date to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even 
     if the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported 
     to the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of 
     you. We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added t o the Account, (2) 
     have provided a copy of this Agreement to the Additional Cardholder, and (3) have told the Additional Cardholder that Credit One Bank will furnish 
     credit information about them to the credit reporting agencies in connection with the Account. The Additional Cardholder may report the Card lost or 
     stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers, once Balance Transfers become 
     available, will be the same as the APR for standard Purchases, unless a promotional rate applies.  
      
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     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate 
     changes. The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the 
     Prime Rate changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid 
     interest. This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of 
     balance. We add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post 
     date. We add transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We 
     add all other fees to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is 
     negative, we treat it as zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the 
     �average daily balance� for that type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 
     12). This gives us the interest charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of 
     the billing cycle. The results for all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose 
     interest until you pay the total amount you owe us. There is no grace period and you cannot avoid paying interest on Purchases, Balance Transfers 
     or Cash Advances. 
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is 
     billed to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your 
     Account and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of 
     your request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers, once Balance Transfers become available, will be the same as 
     the transaction fee for Cash Advances, unless a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You 
     will be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, 
     you will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as 
     follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or les s, the balance will be 
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     rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing 
     cycles, the balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may 
     be a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any 
     postdated check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower 
     APRs being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional 
     lines of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit 
     reporting agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone number (including 
     mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you 
     include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message or email. 
     Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, contact us 
     or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized to provide 
     that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you can write us. 
     Please: 
        ?  include your name, mailing address, and the last four digits of your Account number;  
        ?  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        ?  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        ?  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Telephone Monitoring: You agree that we (and our affiliated agents and contractors) may monitor and record any calls between you and us.  
      
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     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this 
     information. You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents and other partners and 
     employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the 
     number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal 
     transaction; (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you 
     no longer permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance 
     immediately due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. 
     Any joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is 
     subject to an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The 
     rounding to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDIN G ARBITRATION. 
     You have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, 
     successors, predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in 
     connection with the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, 
     whether contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to 
                                           6 
      
      
     arbitration whether they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay 
     us in full any outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, 
     meaning, or scope of this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about 
     what Claims are subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be 
     enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS  YOU  REJECT  THIS  AGREEMENT  TO  ARBITRATE,  YOU  AND  WE  WAIVE  THE  RIGHT  TO  ASSERT  OR 
           PARTICIPATE IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN 
           ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same 
     account). This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the 
     individual who is the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable ad ministrator) office 
     located in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired 
     state appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The 
     arbitrator is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect 
     at the time the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this 
     Card Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. 
     Subject to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a 
     party any damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration 
     any damages or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting 
     forth the disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and 
     conclusions on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and 
     shall not have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic 
     hearing, or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
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     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and 
     Costs�. Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the na med parties and 
     enforceable by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate 
     apply to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized 
     Users of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, 
     Attention: Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or 
     effective. If you decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include 
     your name, address, account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this 
     Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or 
     effect and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement 
     to arbitrate or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then 
     the agreement to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if 
     arbitration is unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement 
     or in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described 
     above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations 
     under this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
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     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to 
     conform to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration 
     Provision. 
      
     Your Billing Rights: Keep this Document for Future Use  
     This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  
      
     What To Do If You Find A Mistake On Your Statement  
     If you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.  
      
     In your letter, give us the following information:  
        ?  Account information: Your name and Account number.  
        ?  Dollar amount: The dollar amount of the suspected error.  
        ?  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.  
      
     You must contact us:  
        ?  Within 60 days after the error appeared on your statement.  
        ?  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.  
      
     You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you 
     may have to pay the amount in question.  
      
     What Will Happen After We Receive Your Letter  
     When we receive your letter, we must do two things: 
      
     1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.  
     2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.  
      
     While we investigate whether or not there has been an error:  
        ?  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
        ?  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        ?  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        ?  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
     owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
      
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     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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate the company that sold you the goods or services.)  
     2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
        credit card account do not qualify.  
     3.  You must not yet have fully paid for the purchase.  
      
     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our 
     decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in 
     the Program.  Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement 
     controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other 
     charges. We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made 
     with your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card 
     Agreement, at the time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        ?  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        ?  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        ?  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to 
           process the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        ?  gasoline,  
        ?  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        ?  mobile phone service, and  
        ?  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        ?  oil, propane, home heating companies,  
        ?  PayPal, 
        ?  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        ?  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
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     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required 
     to pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases 
     made while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit 
     One cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law.  The current  version of this Program may be found at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00985  D062 / M-125229 
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     D842            
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
                           21.40% 
     (APR) for Purchases 
     and Cash Advances     This APR will vary with the market based on the Prime Rate. 
     Paying Interest       We will begin charging interest on Purchases and Cash Advances on the posting date. 
                           If you are charged interest, the Minimum Interest Charge will be no less than $1.00 for any billing 
     Minimum Interest Charge 
                           cycle in which an Interest Charge is due.  
     For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of 
     Consumer Financial Protection 
                           the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                            
     Set-up and Maintenance  Notice: The Annual Membership Fee will be billed to your Account when it is opened and will reduce 
     Fees                  the amount of your initial available credit. If your Account is established with a $500 credit line, your 
                           initial available credit will be $440.  
                            
                           You may still reject this plan, provided that you have not yet used the Account or paid a fee after 
                           receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
     � Annual Membership Fee  $60 First year, then $60 billed monthly at $5.00. 
                            
     � Authorized User     $19 annually (if applicable). 
       Participation Fee    
      
                            
     Transaction Fees       
     � Cash Advance        Either $5 or 8% of the amount of each Cash Advance, whichever is greater.  
                            
                            
     Penalty Fees           
     � Late Payment        Up to $35 
                            
     � Returned Payment    Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer 
     to all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., 
     its successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights 
     under this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in 
     which the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As 
     permitted by law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. 
     If you do not wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to 
     us at Bank Card Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at 
     least fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account 
     including all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit 
     established for the Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment 
     information. If you provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the 
     Authorized User�s use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the 
     right to terminate the Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account 
     may appear on the credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make 
     payments, report the card lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from 
     your Account via mail or telephone.  
     Authorized User Annual Participation Fee: An Authorized User Annual Participation Fee of $19.00 will be imposed for issuing a card in the 
     Authorized User�s name. This Fee will be assessed annually in the month the Authorized User was added to the Account. 
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit 
     One Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the 
     following actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is 
     resolved; or (3) terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any 
     other request with respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. 
     You agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but 
     is not obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your 
     Credit Limit at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit 
     over your Credit Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5.  USING  YOUR  CARD:  You  and  any  Authorized  User  may  use  your  Cards:  (1)  to  make  Purchases  of  goods  or  services  at  merchant 
     establishments where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each 
     Purchase and Cash Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of 
     your assigned credit limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, 
     when due, the total amount of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card 
     Account. You may not use your Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be 
     used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
                                           2 
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the 
     remaining portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement electronically, paper 
     statements will not be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or 
     telephone, for which a fee may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One 
     Bank will not be responsible for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your 
     Account number or is not accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the 
     payment is received by 5:00 p.m. Pacific Time (�PT�). 
      
     8. ANNUAL MEMBERSHIP FEE: The Annual Membership Fee for your Account in year one is $60.00 and will be billed to your Account when it is 
     opened. The Annual Membership Fee for your Account beginning in year two is $60.00 and will be billed to your Account in monthly installments of 
     $5.00 per month. The Annual Membership Fee will be billed to your Account as long as it remains open or, if your Account is closed by you or us, the 
     Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. The Annual Membership Fee is refundable as 
     long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. An Annual 
     Membership Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Membership Fee is imposed 
     for providing services related to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing 
     renewal cards, providing availability of customer service representatives for assistance, providing credit information to credit reporting agencies, and 
     providing the opportunity for additional credit. 
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Membership Fees, Late Payment Fees and 
     other fees and charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases 
     and Cash Advances may vary and will be determined by adding 16.65% to the U.S. Prime Rate appearing in the �Money Rates� section of any 
     edition of The Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the 
     next business day will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be 
     applied to all balances on the Account. There is no grace period for Purchases and Cash Advances. The APR for all balances is 4.75% plus 16.65%, 
     currently 21.40% (corresponding monthly periodic rate of 1.7833%). The APR will never be greater than 29.90% (corresponding monthly periodic 
     rate of 2.4916%). The most recent Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest 
     Charge if you are charged interest; the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. 
     Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account until the date it is 
     paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the �average daily 
     balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and subtract any 
     payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the billing 
     cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be 
     assessed on all �average daily balances� until paid in full. All Purchases, Cash Advances, fees or charges accrue finance charges starting on the 
     date of posting, even if the new balance from your previous statement was paid in full or even if that new balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase 
     Requests� section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% 
     of the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Membership Fees, Late Payment 
     Charges, and other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges 
     like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $35.00 will be charged to 
     your Account. 
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the 
     following: (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your 
                                           3 
     Account; (2) Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each 
     statement copy requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about 
     the charges on your Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a 
     replacement card, a Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 5% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late 
     Payment Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount 
     by the Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign 
     up for such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two 
     consecutive billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor 
     special instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is 
     returned to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit 
     any postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is 
     provided. (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls 
     between our employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your 
     protection. 
      
     18. COMMUNICATIONS: (a) You are providing express written permission and consent authorizing Credit One Bank or its agents to contact you at 
     any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways 
     in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded message, text/SMS message or 
     email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which we obtain through 
     other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us. (b) INDEMNIFICATION: If you provide 
                                           4 
     telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including 
     reasonable  attorneys�  fees,  incurred  as  a  result  of  us  contacting  or  attempting  to  contact  you  at  the  number(s).  (c)  COMMUNICATION 
     REVOCATION: If you do not want to receive communications as described in the previous paragraph, you must: (i) provide us with written notice 
     revoking your prior consent, (ii) in that written notice, you must include your name, mailing address, and the last four digits of your Account number; 
     (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all forms; (iv) if you are 
     requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and email address; (v) you 
     must send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) ONLINE 
     ACCOUNT COMMUNICATIONS: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Email and Text Notifications� section to remove these notifications. We cannot remove these online account notifications 
     for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to 
     Credit One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not 
     paying your debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) 
     you violate any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your 
     card(s), declare your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to 
     pay any collection costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your 
     Account is closed by you or us, the Annual Membership Fee will continue to be charged until you pay your outstanding balance in full. Credit One 
     Bank may terminate the Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there 
     is a dispute between the Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of 
     any other Cardholder, or without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or 
     involuntary Account termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, 
     when your Account is closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay 
     this amount; or (2) a credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to 
     zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor 
     your Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that 
     occurs after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not 
     exceed $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the 
     Card and returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may 
     be replaced with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All 
     terms and conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
                                           5 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a 
     credit limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your new Account you will need to: (1) Register 
     for Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other 
     constraints may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no 
     such laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
      
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
                                            
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% of �eligible net Purchases� 
     (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to your Account 
     within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the previous month to the 
     26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL 
     NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are 
     eligible. For dining Purchases, SIC Codes 5812, 5813, and 5814 are eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For 
     internet, cable and satellite TV service, SIC Code 4899 is eligible. You will earn rewards for Purchases with the above mentioned SIC Codes minus 
     any returns or other credits using those same SIC Codes. Although a merchant or the items that it sells may appear to fit the reward categories, the 
     merchant may not have or use a SIC Code that is included in this Program, and Purchases with that merchant will not qualify for rewards. You WILL 
     NOT earn rewards if a merchant does not submit the Purchase using a SIC Code that has been designated for rewards. A merchant with more than 
     one location may submit Purchases using different SIC Codes, including SIC Codes that do not qualify under this Program. This means that 
     Purchases from the same merchant at a different location may result in no reward. Purchases from the following types of merchants are not eligible 
     for rewards: oil, propane, home heating companies, PayPal, warehouse clubs (including but not limited to Sam�s Club and Costco), and discount 
     supercenters (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not 
     earn rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of 
     eligible  SIC  Codes  without  prior  notice  and  will  take  effect  immediately.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com in the Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we 
     will evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions 
     listed above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
                                           6 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the 
     rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must 
     be true: 
     1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
       been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
       company that sold you the goods or services.) 
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
       credit card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
                                            
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE 
     RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
     PROCEEDING.  IN  ARBITRATION,  A  DISPUTE  IS  RESOLVED  BY  A  NEUTRAL  ARBITRATOR  INSTEAD  OF  A  JUDGE  OR  JURY. 
                                           7 
     ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY 
     CHOOSE TO HAVE A HEARING AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which 
     are called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State 
     law is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or 
       credits, or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, 
       introduced, sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your 
       Account, goods or services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card 
       Agreement (except for this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting 
       relationships between you and us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration 
       Agreement in the broadest way the law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming 
       through you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, 
       Claims subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and 
       successors (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, 
       even if we are not properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or 
       respondent in a Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they 
       are made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made 
       as counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims,  third-party claims, 
       interpleaders or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the 
       lawsuit by any other party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration 
       but must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private 
       attorney general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we 
       require arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney 
       general action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter 
       remains in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this 
       Arbitration Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, 
       enforceability or interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at 
     Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing 
     address or (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen 
     by the arbitrator or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which 
     you and we agree in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms 
     and instructions for initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
                                           8 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the 
     arbitration is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will 
     prevail. This Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may 
     limit the amount of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable 
     statutes of limitations, and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account 
     information and other confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do 
     so by you or us. You and we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the 
     award, confidential unless otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any 
     damages or other relief provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not 
     have the power to award relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in 
     writing but need not provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief 
     statement of the reasons for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if 
     you paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the 
     first day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will 
     advance or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to 
     do so, or we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and 
     other expenses, regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should 
     recover any or all expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-
     house attorneys� costs, that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees 
     and costs against a party upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for 
     purpose of multiplying the arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other 
     than individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the 
     Card Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action 
     be pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the 
     arbitration, Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those 
     persons are applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related 
     transactions); this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this 
     Arbitration Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant 
     pursuant to the administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to 
     arbitration, or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if 
     any such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration 
     Agreement at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later 
     time or in connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We 
     will not amend this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and 
     only in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of 
     any other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any 
     transfer or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other 
     than the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If 
     the section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without 
     impairing the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00954  D842 / M-125228 
                                           9 
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     D050            
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE 
                           25.90% 
      (APR) for Purchases 
      and Cash Advances    This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
      Paying Interest      interest on Purchases if you pay your entire balance by the Payment Due Date each month. We 
                           will begin charging interest on Cash Advances on the posting date. 
      Minimum Interest Charge  If you are charged interest, the Minimum Interest Charge will be no less than $1.00. 
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website 
      Consumer Financial Protection 
                           of the Consumer Financial Protection Bureau at https:/www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
                            
      Set-up and Maintenance  Notice: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
      Fees                 after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
                           charges. 
                            
      � Annual Membership Fee  $39 
                            
                            
      Transaction Fees      
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater.  
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
                            
                            
      Penalty Fees          
      � Late Payment       Up to $38 
                            
      � Returned Payment   Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases)�. See your Cardholder 
     Agreement, Disclosure Statement and Arbitration Agreement (�Agreement�) for more details. 
      
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. 
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                            
                                           1 
                           VISA/MASTERCARD CARDHOLDER AGREEMENT, 
                       DISCLOSURE STATEMENT AND ARBITRATION AGREEMENT 
      
     This Agreement, together with the application you previously signed and the enclosed Arbitration Agreement, governs the use of your VISA �  or 
     Mastercard �  Account issued by Credit One Bank, N.A. (the �Account,� �Card� or �Card Account�). The words �you,� �your� and �Cardholder(s)� refer to 
     all persons, jointly and severally, authorized to use the Card Account; and �we,� �us,� �our,� and �Credit One Bank� refer to Credit One Bank, N.A., its 
     successors or assigns. By requesting and receiving, signing or using your Card, you agree as follows:  
      
     IMPORTANT NOTICE: Please read the Arbitration Agreement portion of this document for important information about your and our legal rights under 
     this Agreement. 
      
     1. CHANGES IN AGREEMENT TERMS: We can change any term of this Agreement, including the rate of the finance charge or the manner in which 
     the finance charges are calculated, or add new terms to this Agreement, at any time upon such notice to you as is required by law. As permitted by 
     law, any change will apply to your new activity and, in certain circumstances, to your outstanding balance when the change is effective. If you do not 
     wish to be subject to the change, you must notify Credit One Bank by calling our toll-free number at 866-515-5721 or you may write to us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516 prior to the effective date of the change, and close your Account. 
      
     2. AUTHORIZED USER: At your request, we may, at our discretion, issue an additional card in the name of an Authorized User with your credit card 
     account number. If you allow someone to use your Account, that person will be an Authorized User. By designating an Authorized User who is at least 
     fifteen years of age, you understand that: (1) you will be solely responsible for the use of your Account and each card issued on your Account including 
     all charges and transactions made by the Authorized User and any fees resulting from their actions to the extent of the credit limit established for the 
     Account; (2) the Authorized User will have access to certain account information including balance, available credit and payment information. If you 
     provide an Authorized User with any information that enables him/her to access or use your Account, you agree to be liable for the Authorized User�s 
     use of that information, and we will have no responsibility or liability for any of the Authorized User�s actions; (3) we reserve the right to terminate the 
     Card Account privileges of an Authorized User by closing your Account and issuing you a new account number; (4) the Account may appear on the 
     credit report of the Authorized User. If you advise us that the Authorized User is your spouse, information regarding the Account will be provided to 
     consumer reporting agencies in your name as well as in the name of the Authorized User; (5) the Authorized User can make payments, report the card 
     lost or stolen and remove him or herself from the Account; (6) you can request the removal of the Authorized User from your Account via mail or 
     telephone.  
      
     3. CONFLICTS BETWEEN CARDHOLDERS: In the event Credit One Bank receives conflicting instructions from one or more of you, or if Credit One 
     Bank has reason to believe there is a dispute between the Cardholders, Credit One Bank may, at its sole discretion, take one or more of the following 
     actions: (1) refuse to act on any conflicting instructions; (2) restrict the Account and deny access to all Cardholders until the dispute is resolved; or (3) 
     terminate the Account. In no event will Credit One Bank be liable for any delay or refusal to honor a request for an advance or any other request with 
     respect to your Account, or for restricting or terminating the Account as provided in this section. 
      
     4. YOUR CREDIT LIMIT: Your Credit Limit will be established by Credit One Bank and will be disclosed to you when your Card is issued. It also will 
     be shown on each of your billing statements. We reserve the right to modify your Credit Limit from time to time, and if we do so, we will notify you. You 
     agree not to engage in any Card transaction that would cause your outstanding balance to exceed your Credit Limit. Credit One Bank may, but is not 
     obligated to, extend credit to you from your Account if you are already up to your Credit Limit or if the borrowing would take you over your Credit Limit 
     at any time. You must pay us on demand any amount by which your Account�s balance exceeds your Credit Limit. If we extend credit over your Credit 
     Limit, we will not be obligated to do so again, and such extension will not result in any waiver of our rights under this paragraph. 
      
     5. USING YOUR CARD: You and any Authorized User may use your Cards: (1) to make Purchases of goods or services at merchant establishments 
     where the Card is accepted, and (2) to obtain Cash Advances (i.e., loans of money) at participating financial institutions. Each Purchase and Cash 
     Advance obtained will reduce the available credit under your credit limit until it is repaid. Cash Advances are limited to 25% of your assigned credit 
     limit. Cash Advances cannot exceed two transactions or more than $200.00 per day, as applicable. You promise to pay us, when due, the total amount 
     of all Purchases and Cash Advances, as well as all finance charges, and other fees and charges billed to your Card Account. You may not use your 
     Card for any illegal purpose. You further acknowledge that the Card Account will be for personal use and may not be used for business purposes. 
      
     6. AUTHORIZATION: Merchants or banks may contact us on your behalf to obtain authorization for Card Purchases or Cash Advances. You agree 
     that we shall have no liability if: (a) any merchant or bank refuses to honor any Card issued to access the Account, (b) operational difficulties prevent 
     authorization of a transaction, (c) authorization is declined because your Account is overlimit or delinquent, or (d) credit has been restricted pursuant 
     to any term of this Agreement. 
      
     7. YOUR MONTHLY STATEMENT: Your Account will be on a monthly billing cycle. We will send you a statement each month that there is activity or 
     an outstanding balance on your Account. The statement itemizes your Account activity, including Purchases, Cash Advances, fees, finance charges, 
     other charges, and payments and credits posted during the billing period. The payment coupon portion of the statement will serve as your bill. When 
                                           2 
     making payment, write your Account number on your check or money order and return the coupon with your payment. You should retain the remaining 
     portion of your statement for your records. If the Bank offers, and you elect to receive, your monthly statement electronically, paper statements will not 
     be mailed to you. You will be responsible for making your payments by the due date, either through the Bank�s website or telephone, for which a fee 
     may apply, or by mailing your payment to the appropriate address designated for receipt of payments by mail. Credit One Bank will not be responsible 
     for processing delays or failure to process the payment to your Account if a payment sent by mail does not contain your Account number or is not 
     accompanied by your payment coupon. Your payment will be credited to your Account, as of the date of receipt, if the payment is received by 5:00 
     p.m. Pacific Time (�PT�). 
      
     8. ANNUAL FEE: The Annual Fee for your Account is $39.00. The Annual Fee will be billed to your Account as long as it remains open or, if your 
     Account is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. The Annual Fee is refundable 
     as long as you cancel your Account and have not used your card for any Purchases or Cash Advances and you have not made a payment. An Annual 
     Fee Notice, as required by regulation, will be provided to you at least once every 12 months. The Annual Fee is imposed for providing services related 
     to your Account, including but not limited to: the opportunity to use your card with participating merchants, providing renewal cards, providing availability 
     of customer service representatives for assistance, providing credit information to credit reporting agencies, and providing the opportunity for additional 
     credit. 
      
     9. FINANCE CHARGES: Your Card Account is subject to finance charges and the total Finance Charges in your monthly billing cycle are the sum of 
     the Periodic Finance Charges, Transaction Finance Charges, and Credit Limit Increase Fees which are calculated as follows: 
     (a) Periodic Finance Charges: For Purchases and Cash Advances, Credit Limit Increase Fees, Annual Fees, Late Payment Fees and other fees and 
     charges to your Account, the Periodic Finance Charge is calculated as follows: The Annual Percentage Rate (�APR�) for Purchases and Cash 
     Advances may vary and will be determined by adding 21.15% to the U.S. Prime Rate appearing in the �Money Rates� section of any edition of The 
     Wall Street Journal published on the 25th day of each month. If the Journal is not published on that day, then the Prime Rate on the next business day 
     will be used. If the Prime Rate changes, the new rate will take effect on the first day of the following month. The new rate will be applied to all balances 
     on the Account. The APR for all balances is 4.75% plus 21.15%, currently 25.90% (corresponding monthly periodic rate of 2.1583%). The most recent 
     Annual Percentage Rate was disclosed to you when you received your credit card. There is a Minimum Interest Charge if you are charged interest; 
     the Minimum Interest Charge will be no less than $1.00 for any billing cycle in which an Interest Charge is due. Unless your Account balance is paid 
     in full each month, Periodic Finance Charges will be assessed from the date the Purchase, Cash Advance, fee or charge is posted to your Account 
     until the date it is paid in full, and will be calculated by applying the monthly periodic rate to the �average daily balance� of your Account. To get the 
     �average daily balance,� we take the beginning balance of your Account each day, add any new Purchases, Cash Advances, fees and charges, and 
     subtract any payments or credits and unpaid Periodic Finance Charges. This gives us the daily balance. Then we add up all the daily balances for the 
     billing cycle, and divide the total by the number of days in the billing cycle. This gives us the �average daily balance.� Periodic Finance Charges will be 
     assessed on all �average daily balances� until paid in full. No additional Finance Charge will be assessed for current transactions, other than Cash 
     Advances, if your Account is paid in full on or before the payment due date shown on your billing statement. All Cash Advances and Cash Advance 
     fees accrue finance charges starting on the date of posting, even if the new balance from your previous statement was paid in full or even if that new 
     balance was zero. 
     (b) Cash Advance Transaction Finance Charges: Each time you obtain a new Cash Advance, we will impose a Transaction Fee Finance Charge 
     of $5.00 or 8% of the amount advanced, whichever is greater. 
     (c) Credit Limit Increase Finance Charges: A fee may be imposed for Credit Limit increases, as described under the �Credit Limit Increase Requests� 
     section of this Agreement. 
     (d) Foreign Transaction Finance Charges: Each time you make a foreign transaction, we may impose a Transaction Fee Finance Charge of 3% of 
     the amount charged or $1.00, whichever is greater. For additional information, see the �Foreign Transaction� section of this Agreement. 
     (e) Fees Treated as Principal: For purposes of Finance Charge calculation, Credit Limit Increase Fees, Annual Fees, Late Payment Charges, and 
     other charges, except Cash Advance fees, will be treated like Purchase transactions, posted as principal, and accrue Finance Charges like Purchases. 
     (f) Periodic Statement Annual Percentage Rate: If a finance charge imposed is required to be included in calculating the Annual Percentage Rate 
     under the Federal Truth-in-Lending Act, the Annual Percentage Rate disclosed on your statement may exceed the corresponding Annual Percentage 
     Rate disclosed in this Agreement for any billing period in which such finance charge is posted to your Account. 
      
     10. LATE PAYMENT CHARGES: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and Amount Past 
     Due are not received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee of up to $38.00 will be charged to 
     your Account. 
      
     11. OTHER CHARGES: In addition to the fees and charges described above, other charges that may be imposed on your Account include the following: 
     (1) Returned Payment Fee: If a payment is returned for any reason, a Returned Payment Fee of up to $35.00 will be charged to your Account; (2) 
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, you will be charged a fee of up to $10.00 for each statement copy 
     requested; (3) Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your 
     Account, you will be charged a fee of $6.00 for each sales slip copy requested; and (4) Replacement Card Fee: If you request a replacement card, a 
     Replacement Card Fee of up to $25.00 may be charged to your Account. 
      
                                           3 
     12. MINIMUM PAYMENTS: (a) You agree to pay either the entire outstanding balance or the Minimum Payment Due, as shown on your monthly 
     statement. The Minimum Payment Due is 3% of your outstanding balance, rounded up to the next whole dollar, or $25.00, whichever is greater, plus 
     any Late Payment Fee for the current billing cycle, and any Past Due Amount. For your Account to be considered current and to avoid a Late Payment 
     Fee, you must pay at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) and the Past Due Amount by the 
     Payment Due Date shown on your statement. (b) Certain other service fees may be added to your minimum payment amount. When you sign up for 
     such services, you will be notified if a fee for the service will be imposed and if it is required to be added to your minimum payment. 
      
     13. SMALL BALANCES: As it is uneconomical for both you and us to process payments or maintain credits that are $1.00 or less in amount, you 
     agree as follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1.00 or less, the balance 
     will be rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1.00 or less for two consecutive 
     billing cycles, the balance will be rounded to zero and you will not receive a refund of this amount. 
      
     14. MAKING PAYMENTS: Your payments must be made in US currency only, drawn on a bank domiciled in the US, through paper or electronic 
     format not to include wire transfer or electronic transactions via Credit One Bank�s account at the Federal Reserve Bank. Do not send cash through 
     the mail, as Credit One Bank cannot be responsible for cash lost in the mailing process. To the extent that a payment reduces the principal amount 
     outstanding on your Card Account, new credit will be available (subject to your credit limit), but only after 12 calendar days after our receipt of the 
     payment. To insure prompt posting of payments sent through the mail, your payments must be sent to the address indicated on your statement and 
     must be received by 5:00 p.m. PT. There will be a delay in posting payments to your Account for payments not sent to the address shown on your 
     statement. You agree that we may process any item delivered to us for payment on the day it is received, and that we are not required to honor special 
     instructions or restrictive endorsements. As described above, if any payment is received that does not contain your Account number or is not 
     accompanied by your payment coupon, Credit One Bank will not be liable for processing delays or failure to process the payment to your Account. 
     Crediting of such payments may be delayed up to five business days of receipt. 
     Treatment of Check Payments: When you provide a check as payment, you authorize us either to use information from your check to make a one-
     time electronic fund transfer from your bank account or to process the payment as a check transaction. If a check we process in paper form is returned 
     to us by your bank unpaid, we may re-present the returned check electronically. 
      
     15. POSTDATED CHECKS: You agree that we need not examine any payment check to confirm that it is not postdated, and that we may deposit any 
     postdated check for payment to us on the day we receive it. 
      
     16. IRREGULAR PAYMENTS: Any payment submitted in offer of settlement of a disputed debt, including any check containing a notation such as 
     �paid in full,� must be sent to the following address: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If you do not forward any check 
     or other payment marked �paid in full� to the above address, we can accept late payments or partial payments, or checks or other payments marked 
     with similar notations, without losing any of our rights under this Agreement, including our right to seek payment of the full balance of your Account. 
      
     17. VERIFICATION OF INFORMATION: (a) Credit Information: You authorize us to obtain and/or use information about you from third parties and 
     credit reporting agencies to: (1) verify your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review 
     your Account and provide renewal of credit; (4) verify your current credit standing in order to present future credit line increases or decreases; (5) 
     qualify you for and present additional lines of credit or other offers; and (6) collect amounts owing on your Account. California residents, you agree to 
     waive your right to keep confidential information under Section 1808.21 of the California Vehicle Code from us. (b) Reporting Information: We may 
     furnish information concerning your Account or credit file to consumer reporting agencies and others who may properly receive that information. 
     However, we are not obligated to release such information to anyone unless we are required to do so by law or a proper Power of Attorney is provided. 
     (c) Telephone Monitoring: To be sure that your inquiries are handled properly, courteously and accurately, some of the telephone calls between our 
     employees and our customers are monitored by supervisory or management personnel. Recordings may be made of such calls for your protection. 
      
     18. COMMUNICATIONS: (a) Consent: You are providing express written permission and consent authorizing Credit One Bank or its agents to contact 
     you at any phone number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The 
     ways in which we may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, 
     text/SMS message or email. Phone numbers and email addresses you provide include those you give to us, those from which you contact us or which 
     we obtain through other means. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and 
     identification purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing 
     information about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or 
     outgoing communications to us, to or from any such number or email address, without reimbursement from us. (b) Indemnification: If you provide 
     telephone number(s) for which you are not the subscriber, you understand that you shall indemnify us for any costs and expenses, including reasonable 
     attorneys� fees, incurred as a result of us contacting or attempting to contact you at the number(s). (c) Communication Revocation: If you do not 
     want to receive communications as described in the previous paragraph, you may revoke that authorization. You may revoke authorization by: (i) 
     providing us with written notice revoking your prior consent, (ii) in that written notice, include your name, mailing address, and the last four digits of 
     your Account number; (iii) advise whether you would like communications to cease via mail, telephone number(s), email, text/SMS, or cease in all 
     forms; (iv) if you are requesting communications to cease via telephone number(s) and/or email, please provide the specific phone number(s) and 
     email address; (v) please send this written notice to: Attention � Credit One Bank Customer Service, P.O. Box 98850, Las Vegas, NV 89193-8850. (d) 
                                           4 
     Online Account Communications: If you do not want to receive communications previously selected as part of your online account, you must update 
     your preferences under the �Settings� section to remove these notifications. We cannot remove these online account notifications for you. 
      
     19. DEFAULT: You will be in default under this Agreement if any of the following events occur: (1) you exceed your assigned credit limit; (2) you fail 
     to make any required payment when due; (3) you die, become insolvent, file a petition in bankruptcy or similar proceeding, or are adjudged bankrupt; 
     (4) you provide any false or misleading financial or biographical information to Credit One Bank; (5) any representation or warranty you make to Credit 
     One Bank is false or breached; (6) a guardian, conservator, receiver, custodian or trustee is appointed for you; (7) you are generally not paying your 
     debts as they become due; (8) the Bank reasonably believes there has been a material adverse change in your financial condition; or (9) you violate 
     any term of this Agreement. Upon your default, Credit One Bank can close or refuse to renew your Account, demand the return of your card(s), declare 
     your entire balance immediately due and payable, and initiate collection activity, all without prior notice or demand. You promise to pay any collection 
     costs and attorneys� fees, including our in-house attorneys� costs, that Credit One Bank incurs as a result of your default. 
      
     20. TERMINATION OF ACCOUNT: This Account may be terminated by you at any time by giving notice in writing to Credit One Bank. If your Account 
     is closed by you or us, the Annual Fee will continue to be charged until you pay your outstanding balance in full. Credit One Bank may terminate the 
     Account and demand payment in full if you are in default under any of the terms and conditions of this Agreement, or if there is a dispute between the 
     Cardholders as described elsewhere in this Agreement, or if a Cardholder requests termination of the Account privileges of any other Cardholder, or 
     without cause if Credit One Bank deems termination of the Account to be in its best interests. In the event of voluntary or involuntary Account 
     termination, all credit privileges under the Account and Credit One Bank membership will be terminated immediately. However, when your Account is 
     closed, if there is: (1) a debit balance of $1.00 or less, that balance will be rounded to zero and you will not be required to pay this amount; or (2) a 
     credit balance of $1.00 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding to zero may occur after 
     your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     21. SECURITY: This is an unsecured Account, and Credit One Bank retains no security interest in your real or personal property to secure payment 
     of your Card Account. 
      
     22. CARD OWNERSHIP AND ACCEPTANCE: Any credit card or other credit instrument issued to you remains the property of Credit One Bank and 
     must be surrendered to Credit One Bank or its agent on demand. We are not liable for the refusal of Credit One Bank or any other party to honor your 
     Card for any reason. All Cards have an expiration date. We have the right not to renew your Card for any reason. 
      
     23. FOREIGN TRANSACTIONS: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard Worldwide or 
     Visa Inc. will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by Mastercard or Visa from the range of 
     rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard or Visa itself 
     receives, or the government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing 
     date may differ from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to 
     pay the converted amount, including any charges for the conversion that may be imposed as described above. A fee may be imposed for foreign 
     transactions as described under the Finance Charge section of this Agreement. 
      
     24. LOST OR STOLEN CARDS: You may be liable for unauthorized use of your Card. If your Card is lost or stolen or you suspect that someone is 
     using your Card without your permission, you should immediately notify Credit One Bank�s Bank Card Center. You can call (877) 825-3242. You can 
     also notify us in writing at Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. You will not be liable for any unauthorized use that occurs 
     after you notify us, orally or in writing, of the loss, theft or possible unauthorized use. In any event, your liability for unauthorized use will not exceed 
     $50. If you allow someone to use your Card to make charges to your Card Account, you can terminate this user�s authority by retrieving the Card and 
     returning it to us. Until you do, you remain liable for any use by the authorized user. You understand and agree that this Card Account may be replaced 
     with a substitute Account if a credit card for this Account is lost or stolen, or in the event unauthorized use of the Account is reported. All terms and 
     conditions of this Agreement and the application shall apply to any substitute Account. 
      
     25. CREDIT LIMIT INCREASE REQUESTS: Credit Limit Increase requests must be made in accordance with procedures established from time to 
     time by Credit One Bank. A fee may be imposed for credit limit increases. The fee imposed will be a Finance Charge of between $0.00 and $49.00, 
     depending on how long your Account has been established and your credit history with us and others. We will advise you which fee is applicable to 
     your Account at the time you apply for a credit limit increase. Credit limit increase requests are subject to the same credit process as your original 
     application, including review of credit bureau information. You will be notified by mail if your request for an increase is declined. Approval will be 
     indicated in the form of a credit limit increase on your Card Account statement. For information on Credit One Bank�s procedure for applying for a credit 
     limit increase, contact us at (877) 825-3242. 
      
     26. ACCESS TO CREDIT SCORE: To access your free monthly Credit Score that is included with your Account you will need to: (1) Register for 
     Online Account Access at: www.CreditOneBank.com. (2) Accept the online Terms of Use / Credit Score Authorization Agreement associated with 
     receiving your Credit Score. Credit Score availability can take up to 60 days from your online enrollment date. Occasionally, systems or other constraints 
     may prevent your Credit Score from being updated in a timely manner. This service is subject to change or cancellation without notice. 
                                           5 
      
     27. WAIVER OF RIGHTS: If we waive any of our rights under this Agreement, we will not be obligated to do so again. 
      
     28. CUSTOMER PRIVACY: The privacy policy for Credit One Bank is provided separately in accordance with applicable law. 
      
     29. GOVERNING LAW: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such 
     laws apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence. 
      
     30. ARBITRATION AGREEMENT: The Arbitration Agreement provided to you with this Agreement governs the enforcement by you and us of your 
     and our legal rights under this Agreement.  
                                            
                          CREDIT ONE CASH BACK REWARDS PROGRAM (�PROGRAM�) 
      
     This Credit One Cash Back Rewards Program (the �Program�) supplements the Cardholder Agreement, Disclosure Statement and Arbitration 
     Agreement (collectively, the �Cardholder Agreement�) you received with your credit card account issued by Credit One Bank, N.A. (the �Account�). In 
     this Program, the words �we,� �us,� �our� and �Credit One� refer to Credit One Bank, N.A. and the words �you� and �your� refer to all persons, jointly 
     and severally, authorized to use the Account and thereby participate in the Program. By using your Account, you agree to participate in the Program 
     and to the terms and conditions regarding the Program contained herein. In the event of any conflict between the Cardholder Agreement and this 
     Program with respect to matters relating to the Program, this Program shall control.  
     EARNING CASH BACK REWARDS: You will receive cash back in the form of an automatic statement credit equal to 1% on �eligible net Purchases� 
     (as defined below) made with your Account. You will not earn rewards on Cash Advances and Fees. We will post a statement credit to your Account 
     within seven days of the end of the month equal to 1% of �eligible net Purchases� made with your Account from the 27th of the previous month to the 
     26th of the current month. If your Account is in default, as defined within your Cardholder Agreement at the time the credit is to be posted, you WILL 
     NOT receive the credit. The eligible credit(s) will show on your billing statement as �Credit One Rewards Credit.� 
     ELIGIBLE NET PURCHASES: Eligible net Purchases are Purchases from merchants using select Standard Industrial Classification Codes (�SIC 
     Codes�). For gasoline Purchases, SIC Codes 5172, 5541, and 5542 are eligible. For grocery Purchases, SIC Codes 5411, 5422, and 5499 are eligible. 
     For dining Purchases, SIC Codes 5812, 5813, and 5814 are eligible. For mobile phone service, SIC Codes 4812 and 4814 are eligible. For internet, 
     cable and satellite TV service, SIC Code 4899 is eligible. You will earn rewards for Purchases with the above mentioned SIC Codes minus any returns 
     or other credits using those same SIC Codes. Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may 
     not have or use a SIC Code that is included in this Program, and Purchases with that merchant will not qualify for rewards. You WILL NOT earn 
     rewards if a merchant does not submit the Purchase using a SIC Code that has been designated for rewards. A merchant with more than one location 
     may submit Purchases using different SIC Codes, including SIC Codes that do not qualify under this Program. This means that Purchases from the 
     same merchant at a different location may result in no reward.  Purchases from the following types of merchants are not eligible for rewards: oil, 
     propane, home heating companies, PayPal, warehouse clubs (including but not limited to Sam�s Club and Costco), and discount supercenters 
     (including but not limited to Wal-Mart and Target). 
     PROGRAM RESTRICTIONS: You will receive an automatic rewards credit on each statement that has at least one eligible net Purchase. Automatic 
     statement credits for rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at least the 
     Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn rewards for Purchases made while your Account is in 
     default as defined within your Cardholder Agreement. Disputed or unauthorized Purchases/fraudulent transactions and illegal transactions do not earn 
     rewards, unless otherwise specified. This Program excludes Accounts already enrolled in a different Credit One rewards program.  
     AMENDMENTS: The Program may be amended (added to, modified or deleted) by us at any time, including without limitation amendments of eligible 
     SIC Codes without prior notice and will take effect immediately. The current version of this Program may be found at www.CreditOneBank.com in the 
     Cardholder Agreement section. Any revisions may affect your ability to earn rewards. 
     TERMINATION: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible rewards as of the Program termination date. Provided that you meet all of the other Program Restrictions listed 
     above at that time, you will receive a distribution of the rewards earned during the current billing period in the form of a statement credit. 
     LIMITED LIABILITY: Unless otherwise required by law, this Program, or our Cardholder Agreement with you, we will not be liable to you or anyone 
     making a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience 
     caused by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any rewards you 
     have earned in this Program. The Program and rewards are void or limited where prohibited or restricted, respectively, by federal, state or local law. 
                                            
                          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 Statement 
     If you think there is an error on your statement, write to us at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872.  
     In your letter, give us the following information:  
     �  Account information: Your name and account number.  
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     �  Dollar amount: The dollar amount of the suspected error. 
     �  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 
     You must contact us:  
     �  Within 60 days after the error appeared on your statement.  
     �  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 
     You must notify us of any potential errors in writing. You may call us at 877-825-3242, but if you do we are not required to investigate any potential 
     errors and you may have to pay the amount in question. 
      
     What Will Happen After We Receive Your Letter 
     When we receive your letter, we must do two things: 
     1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. 
     2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 
     While we investigate whether or not there has been an error:  
     �  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
     �  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
     �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
     �  We can apply any unpaid amount against your credit limit. 
     After we finish our investigation, one of two things will happen:  
     �  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
     �  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
       statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
       owe. 
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported 
     you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, 
     you do not have to pay the first $50 of the amount you question even if your bill is correct. 
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem 
     with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 
     1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been 
       more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company 
       that sold you the goods or services.) 
     2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit 
       card account do not qualify. 
     3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in 
       writing at: Bank Card Center, P.O. Box 98872, Las Vegas, NV 89193-8872. 
     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. 
      
                                   ARBITRATION AGREEMENT 
      
     PLEASE READ THIS ARBITRATION AGREEMENT OF YOUR CARD AGREEMENT CAREFULLY. IT PROVIDES THAT EITHER YOU OR WE 
     CAN REQUIRE THAT ANY CONTROVERSY OR DISPUTE BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT 
     TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. 
     IN ARBITRATION, A DISPUTE IS RESOLVED BY A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES 
     ARE SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. IN ARBITRATION, YOU MAY CHOOSE TO HAVE A HEARING 
     AND BE REPRESENTED BY COUNSEL. 
      
     Agreement to Arbitrate: 
     You and we agree that either you or we may, without the other�s consent, require that any controversy or dispute between you and us (all of which are 
     called �Claims�), be submitted to mandatory, binding arbitration. This Arbitration Agreement is made pursuant to a transaction involving interstate 
     commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et seq., and (to the extent State law 
     is applicable), the State law governing the Card Agreement. 
      
     Claims Covered: 
     �  Claims subject to arbitration include, but are not limited to, disputes relating to the establishment, terms, treatment, operation, handling, limitations 
       on or termination of your Account; any disclosures or other documents or communications relating to your Account; any transactions or attempted 
       transactions involving your Account, whether authorized or not; billing, billing errors, credit reporting, the posting of transactions, payment or credits, 
                                           7 
       or collections matters relating to your Account; services or benefits programs relating to your Account, whether or not they are offered, introduced, 
       sold or provided by us; advertisements, promotions, or oral or written statements related to (or preceding the opening of) your Account, goods or 
       services financed under your Account, or the terms of financing; the application, enforceability or interpretation of the Card Agreement (except for 
       this Arbitration Agreement); and any other matters relating to your Account, a prior related Account or the resulting relationships between you and 
       us. Any questions about what Claims are subject to arbitration shall be resolved by interpreting this Arbitration Agreement in the broadest way the 
       law will allow it to be enforced. 
     �  Claims subject to arbitration include not only Claims made directly by you, but also Claims made by anyone connected with you or claiming through 
       you, such as a co-applicant or authorized user of your Account, your agent, representative or heirs, or a trustee in bankruptcy. Similarly, Claims 
       subject to arbitration include not only Claims that relate directly to us, a parent company, affiliated company, and any predecessors and successors 
       (and the employees, officers and directors of all of these entities), but also Claims for which we may be directly or indirectly liable, even if we are not 
       properly named at the time the Claim is made, and Claims brought against any other person or entity named as a defendant or respondent in a 
       Claim brought by you against us. 
     �  Claims subject to arbitration include Claims based on any theory of law, any contract, statute, regulation, ordinance, tort (including fraud or any 
       intentional tort), common law, constitutional provision, respondeat superior, agency or other doctrine concerning liability for other persons, custom 
       or course of dealing or any other legal or equitable ground (including any claim for injunctive or declaratory relief). Claims subject to arbitration 
       include Claims based on any allegations of fact, including an alleged act, inaction, omission, suppression, representation, statement, obligation, 
       duty, right, condition, status or relationship. 
     �  Claims subject to arbitration include Claims that arose in the past, or arise in the present or future. Claims are subject to arbitration whether they are 
       made independently or with other claims in proceedings involving you, us or others. Claims subject to arbitration include Claims that are made as 
       counterclaims (including but not limited to counterclaims by us to collect amounts in default from you), cross-claims, third-party claims, interpleaders 
       or otherwise, and a party who initiates a proceeding in court may elect arbitration with respect to any Claim(s) advanced in the lawsuit by any other 
       party or parties.  
     �  As set forth below, Claims made as part of a class action, private attorney general action or other representative action are subject to arbitration but 
       must be arbitrated on an individual basis. If a Claim is arbitrated, neither you nor we will have the right to participate in a class action, private attorney 
       general action or other representative action in court or in arbitration, either as a class representative or class member. Thus, if you or we require 
       arbitration of a particular Claim, neither you nor we may pursue the Claim in any court litigation, whether as a class action, private attorney general 
       action, other representative action or otherwise, and the arbitration of such Claim must proceed on an individual basis. 
      
     Claims Not Covered: 
     �  Claims are not subject to arbitration if they are filed by you or us in a small claims court or your state�s equivalent court, so long as the matter remains 
       in such court and advances only an individual claim for relief. Also, disputes about the validity, enforceability, coverage or scope of this Arbitration 
       Agreement or any part thereof are not subject to arbitration and are for a court to decide. But disputes about the application, enforceability or 
       interpretation of the Card Agreement as a whole are subject to arbitration and are for the arbitrator to decide. 
      
     Initiation of Arbitration: The party filing arbitration must choose an arbitration administrator. Arbitration administrators are independent from us, and 
     you must follow their rules and procedures for initiating and pursuing arbitration. If you initiate the arbitration, you must also notify us in writing at Credit 
     One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. If we initiate the arbitration, we will notify you in writing at your then current billing address or 
     (if your Account is closed) the last address we have on file for you. Any arbitration hearing that you attend will be held at a place chosen by the arbitrator 
     or arbitration administrator in the same city as the U.S. District Court closest to your billing address, or at some other place to which you and we agree 
     in writing. You may obtain copies of the current rules of the arbitration administrator, and other related materials, including forms and instructions for 
     initiating arbitration, by contacting the arbitration administrator as follows:  
      
     American Arbitration Association (�AAA�)  
     1-800-778-7879  
     Web Site: www.adr.org  
      
     If AAA is unwilling or unable to serve, and you and we are unable to agree on a substitute, a court with jurisdiction will select the administrator or 
     arbitrator. 
      
     Procedures and Law Applicable in Arbitration: A single arbitrator will resolve Claims. The arbitrator will either be a lawyer with at least ten years 
     experience or a retired or former judge. The arbitrator will be selected in accordance with the rules of the arbitration administrator and will be neutral. 
     The arbitration will be conducted under the applicable procedures and rules of the arbitration administrator that are in effect on the date the arbitration 
     is filed unless this Arbitration Agreement is inconsistent with those procedures and rules, in which case this Arbitration Agreement will prevail. This 
     Arbitration Agreement will also prevail to the extent that it is inconsistent with the Card Agreement. These procedures and rules may limit the amount 
     of discovery available to you or us. The arbitrator will apply applicable substantive law, consistent with the FAA and applicable statutes of limitations, 
     and will honor claims of privilege recognized at law. The arbitrator will take reasonable steps to protect customer Account information and other 
     confidential information, including the use of protective orders to prohibit disclosure outside the arbitration, if requested to do so by you or us. You and 
     we agree to keep the details of the arbitration, including communications in any medium, testimony, documents and the award, confidential unless 
     otherwise required by applicable law or the administrator�s rules. The arbitrator will have the power to award to a party any damages or other relief 
     provided for an individual claim under applicable law (including constitutional limits that would apply in court), and will not have the power to award 
     relief to, against, or for the benefit of, any person who is not a party to the proceeding. The arbitrator will make any award in writing but need not 
                                           8 
     provide a statement of reasons unless requested by a party. Upon a request by you or us, the arbitrator will provide a brief statement of the reasons 
     for the award. 
      
     Costs: If we file the arbitration, we will pay the initial filing fee. If you file the arbitration, you will pay your share of the initial filing fee, unless you seek 
     and qualify for a fee waiver under the applicable rules of the arbitration administrator. We will reimburse you for your share of the initial filing fee if you 
     paid it and you prevail. Except as set forth below, if there is a hearing, we will pay any fees of the arbitrator and arbitration administrator for the first 
     day of that hearing. All other fees will be allocated in keeping with the rules of the arbitration administrator and applicable law. However, we will advance 
     or reimburse filing fees and other fees if the arbitration administrator or arbitrator determines there is other good reason for requiring us to do so, or 
     we determine there is good cause for doing so. Each party will bear the expense of that party�s attorneys, experts, and witnesses, and other expenses, 
     regardless of which party prevails, except that (a) the arbitrator shall apply any applicable law in determining whether a party should recover any or all 
     expenses from another party, (b) the arbitrator shall require you to pay us collection costs and attorneys� fees, including our in-house attorneys� costs, 
     that we incur as a result of your default, as set forth in the Card Agreement and (c) the arbitrator may assess attorneys� fees and costs against a party 
     upon a showing by the other party that the first party�s claim(s) or conduct was frivolous or pursued in bad faith or solely for purpose of multiplying the 
     arbitration proceedings unreasonably or vexatiously. 
      
     No Class Arbitration or Consolidation or Joinder of Parties: All parties to the arbitration must be individually named. Claims by persons other than 
     individually named parties shall not be raised or determined. Notwithstanding anything else that may be in this Arbitration Agreement or the Card 
     Agreement, no class action, private attorney general action or other representative action may be pursued in arbitration, nor may such action be 
     pursued in court if any party has elected arbitration. No arbitrator shall have the authority to conduct any arbitration in violation of this Arbitration 
     Agreement or to issue any relief that applies to any person or entity other than you or us individually. Unless consented to by all parties to the arbitration, 
     Claims of two or more persons may not be joined, consolidated or otherwise brought together in the same arbitration (unless those persons are 
     applicants, co-applicants or authorized users on a single Account and/or related Accounts or parties to a single transaction or related transactions); 
     this is so whether or not the Claims (or any interest in the Claims) may have been assigned. Provided, however, that nothing in this Arbitration 
     Agreement regarding consolidation and joinder is intended to impair a respondent�s right to assert a counterclaim against the claimant pursuant to the 
     administrator�s rules. 
      
     Enforcement, Finality: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, 
     or to stay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if any such 
     Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Failure or forbearance to enforce this Arbitration Agreement 
     at any particular time, or in connection with any particular Claims, will not constitute a waiver of any rights to require arbitration at a later time or in 
     connection with any other Claims. Any additional or different agreement between you and us regarding arbitration must be in writing. We will not amend 
     this Arbitration Agreement in a manner that adversely affects your rights without giving you prior notice. 
      
     An award in arbitration will be enforceable as provided by the FAA or other applicable law by any court having jurisdiction and shall be subject to 
     judicial review only as provided in the FAA. An award in arbitration shall determine the rights and obligations between the named parties only, and only 
     in respect of the Claims in arbitration, and shall not have any bearing on the rights and obligations of any other person, nor on the resolution of any 
     other dispute or controversy. 
      
     Severability, Survival: This Arbitration Agreement shall survive: (i) termination or changes in the Card Agreement, the Account and the relationship 
     between you and us concerning the Account; (ii) the bankruptcy of any party, to the extent permitted by applicable bankruptcy law; and (iii) any transfer 
     or assignment of your Account, or any amounts owed on your Account, to any other person. If any part of this Arbitration Agreement other than the 
     section titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable, the remainder shall be enforceable. If the section 
     titled �No Class Arbitration or Consolidation or Joinder of Parties� is declared unenforceable in a proceeding between you and us, without impairing 
     the right to appeal such decision, this entire Arbitration Agreement (except for this sentence) shall be null and void in such proceeding. 
      
      
      
      
      
      
      
      
      
      
      
     . 
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00956  D050 / M-124523 
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      Back to Top
      
     D056                   CARD AGREEMENT   
      
     Pricing Summary 
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
     (APR) for Purchases and Balance  25.90% 
     Transfers            This APR will vary with the market based on the Prime Rate. 
     ANNUAL PERCENTAGE RATE  25.90% 
     (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                          Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest      interest on Purchases if you pay your entire balance by the due date each month. We will begin 
                          charging interest on Cash Advances and Balance Transfers from the posting date.  
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
     For Credit Card Tips from the 
                          To learn more about factors to consider when applying for or using a credit card, visit the website of the 
     Consumer Financial Protection 
                          Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                          NOTICE: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
                          after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
     Annual Fee           charges. 
                           
                          $39 
                           
     Transaction Fees      
     � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                           
     � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                           
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      
                           
     Penalty Fees          
     � Late Payment       Up to $38 
                           
     � Returned Payment   Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     Late Payment Fee: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) plus any Past Due Amount is not 
     received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee will be charged to your Account. The fee is $27, 
                                           1 
      
      
     unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is $38. This fee will not exceed the amount permitted by 
     law.  
      
     Returned Payment Fee: If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be 
     charged to your Account. The fee is $25, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is $35. This 
     fee will not exceed the amount permitted by law.  
      
     Additional Rate Information: The Purchase and Balance Transfer APR equals the Prime Rate plus a margin of 21.15%. This corresponds to a 
     monthly periodic rate of 2.15833%. The Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This corresponds to a monthly periodic 
     rate of 2.15833%.  
      
     Balance Transfers: We do not currently offer Balance Transfers. When we offer Balance Transfers we will notify you.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least 
     the Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        ?  5% of your outstanding balance, rounded up to the next whole dollar, or $25, whichever is greater; 
        ?  any Late Payment Fee for the current billing cycle; 
        ?  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, with the Pricing Summary above, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card Center, P.O. Box 
     95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. To terminate an Authorized User, you 
     must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers 
     cannot be used to pay us or our affiliates. We do not currently offer Balance Transfers; thus, the provisions in this Agreement concerning Balance 
     Transfers currently have no effect. We will notify you when we offer Balance Transfers. A Balance Transfer will be subject to the terms of the 
     Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
                                           2 
      
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. The Account may not 
     be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, 
     without notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance 
     Transfer obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by 
     the amount of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for 
     processing the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration 
     date to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even 
     if the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported 
     to the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of 
     you. We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added t o the Account, (2) 
     have provided a copy of this Agreement to the Additional Cardholder, and (3) have told the Additional Cardholder that Credit One Bank will furnish 
     credit information about them to the credit reporting agencies in connection with the Account. The Additional Cardholder may report the Card lost or 
     stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers, once Balance Transfers become 
     available, will be the same as the APR for standard Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate 
     changes. The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the 
     Prime Rate changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
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     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid 
     interest. This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of 
     balance. We add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post 
     date. We add transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We 
     add all other fees to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is 
     negative, we treat it as zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the 
     �average daily balance� for that type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 
     12). This gives us the interest charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of 
     the billing cycle. The results for all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose 
     interest until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid 
     paying interest on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby 
     avoiding interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will 
     start charging interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is 
     billed to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your 
     Account and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of 
     your request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers, once Balance Transfers become available, will be the same as 
     the transaction fee for Cash Advances, unless a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You 
     will be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, 
     you will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as 
     follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be 
     rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing 
     cycles, the balance will be rounded to zero and you will not receive a refund of this amount.  
      
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     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may 
     be a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any 
     postdated check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower 
     APRs being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional 
     lines of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit 
     reporting agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone number (including 
     mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you 
     include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message or email. 
     Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, contact us 
     or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized to provide 
     that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you can write us. 
     Please: 
        ?  include your name, mailing address, and the last four digits of your Account number;  
        ?  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        ?  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        ?  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Telephone Monitoring: You agree that we (and our affiliated agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this 
     information. You can update your mobile number by calling us at the phone number on the back of your Card.  
      
                                           5 
      
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents and other partners and 
     employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the 
     number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal 
     transaction; (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you 
     no longer permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance 
     immediately due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. 
     Any joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is 
     subject to an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The 
     rounding to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDIN G ARBITRATION. 
     You have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidi aries, affiliates, 
     successors, predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in 
     connection with the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, 
     whether contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to 
     arbitration whether they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay 
     us in full any outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, 
     meaning, or scope of this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about 
                                           6 
      
      
     what Claims are subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be 
     enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS  YOU  REJECT  THIS  AGREEMENT  TO  ARBITRATE,  YOU  AND  WE  WAIVE  THE  RIGHT  TO  ASSERT  OR 
           PARTICIPATE IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN 
           ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same 
     account). This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the 
     individual who is the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office 
     located in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired 
     state appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The 
     arbitrator is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect 
     at the time the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this 
     Card Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. 
     Subject to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a 
     party any damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration 
     any damages or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting 
     forth the disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and 
     conclusions on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and 
     shall not have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic 
     hearing, or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
                                           7 
      
      
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and 
     Costs�. Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the na med parties and 
     enforceable by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate 
     apply to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized 
     Users of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, 
     Attention: Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or 
     effective. If you decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include 
     your name, address, account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this 
     Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or 
     effect and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement 
     to arbitrate or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then 
     the agreement to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if 
     arbitration is unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement 
     or in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described 
     above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations 
     under this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
                                           8 
      
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to 
     conform to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration 
     Provision. 
      
     Your Billing Rights: Keep this Document for Future Use  
     This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  
      
     What To Do If You Find A Mistake On Your Statement  
     If you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.  
      
     In your letter, give us the following information:  
        ?  Account information: Your name and Account number.  
        ?  Dollar amount: The dollar amount of the suspected error.  
        ?  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.  
      
     You must contact us:  
        ?  Within 60 days after the error appeared on your statement.  
        ?  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.  
      
     You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you 
     may have to pay the amount in question.  
      
     What Will Happen After We Receive Your Letter  
     When we receive your letter, we must do two things: 
      
     1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.  
     2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.  
      
     While we investigate whether or not there has been an error:  
        ?  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
        ?  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        ?  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        ?  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
     owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
      
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate the company that sold you the goods or services.)  
                                           9 
      
      
     2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
        credit card account do not qualify.  
     3.  You must not yet have fully paid for the purchase.  
      
     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our 
     decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
     the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. 
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement 
     controls.  
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made 
     with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a 
     statement credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of 
     the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be 
     posted, you WILL NOT receive the credit. Cash back rewards have no cash value.  
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by 
     law. The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your 
     ability to earn cash back rewards.  
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00641  D056 / M-124222 
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     D057                   CARD AGREEMENT   
      
     Pricing Summary 
      
     Interest Rates and Interest Charges 
     ANNUAL PERCENTAGE RATE 
     (APR) for Purchases and Balance  25.90% 
     Transfers            This APR will vary with the market based on the Prime Rate. 
     ANNUAL PERCENTAGE RATE  25.90% 
     (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                          Your due date is at least 24 days after the close of each billing cycle. We will not charge you any 
     Paying Interest      interest on Purchases if you pay your entire balance by the due date each month. We will begin 
                          charging interest on Cash Advances and Balance Transfers from the posting date.  
     Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
     For Credit Card Tips from the 
                          To learn more about factors to consider when applying for or using a credit card, visit the website of the 
     Consumer Financial Protection 
                          Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
     Bureau 
     Fees 
                          NOTICE: You may still reject this plan, provided that you have not yet used the Account or paid a fee 
                          after receiving a billing statement. If you do reject the plan, you are not responsible for any fees or 
     Annual Fee           charges. 
                           
                          $0 for the first year.  After that $39 annually. 
                           
     Transaction Fees      
     � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                           
     � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                           
     � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
      
                           
     Penalty Fees          
     � Late Payment       Up to $38 
                           
     � Returned Payment   Up to $35 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     Late Payment Fee: If at least the Amount Due This Period (less any Late Payment Fee for the current billing cycle) plus any Past Due Amount is not 
     received by 5:00 p.m. PT on the Payment Due Date shown on your statement, a Late Payment Fee will be charged to your Account. The fee is $27, 
                                           1 
      
      
     unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is $38. This fee will not exceed the amount permitted by 
     law.  
      
     Returned Payment Fee: If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be 
     charged to your Account. The fee is $25, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is $35. This 
     fee will not exceed the amount permitted by law.  
      
     Additional Rate Information: The Purchase and Balance Transfer APR equals the Prime Rate plus a margin of 21.15%. This corresponds to a 
     monthly periodic rate of 2.15833%. The Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This corresponds to a monthly periodic 
     rate of 2.15833%.  
      
     Balance Transfers: We do not currently offer Balance Transfers. When we offer Balance Transfers we will notify you.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least 
     the Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        ?  5% of your outstanding balance, rounded up to the next whole dollar, or $25, whichever is greater; 
        ?  any Late Payment Fee for the current billing cycle; 
        ?  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, with the Pricing Summary above, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card Center, P.O. Box 
     95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users.  
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. To terminate an Authorized User, you 
     must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers 
     cannot be used to pay us or our affiliates. We do not currently offer Balance Transfers; thus, the provisions in this Agreement concerning Balance 
     Transfers currently have no effect. We will notify you when we offer Balance Transfers. A Balance Transfer will be subject to the terms of the 
     Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
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     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. The Account may not 
     be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, 
     without notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance 
     Transfer obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by 
     the amount of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for 
     processing the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration 
     date to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even 
     if the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported 
     to the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of 
     you. We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added t o the Account, (2) 
     have provided a copy of this Agreement to the Additional Cardholder, and (3) have told the Additional Cardholder that Credit One Bank will furnish 
     credit information about them to the credit reporting agencies in connection with the Account. The Additional Cardholder may report the Card lost or 
     stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers, once Balance Transfers become 
     available, will be the same as the APR for standard Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate 
     changes. The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the 
     Prime Rate changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
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     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid 
     interest. This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of 
     balance. We add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post 
     date. We add transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We 
     add all other fees to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is 
     negative, we treat it as zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the 
     �average daily balance� for that type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 
     12). This gives us the interest charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of 
     the billing cycle. The results for all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose 
     interest until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid 
     paying interest on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby 
     avoiding interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will 
     start charging interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is 
     billed to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your 
     Account and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of 
     your request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers, once Balance Transfers become available, will be the same as 
     the transaction fee for Cash Advances, unless a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You 
     will be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, 
     you will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as 
     follows: (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be 
     rounded to zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing 
     cycles, the balance will be rounded to zero and you will not receive a refund of this amount.  
      
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     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may 
     be a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any 
     postdated check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower 
     APRs being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional 
     lines of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit 
     reporting agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone number (including 
     mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we may contact you 
     include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message or email. 
     Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, contact us 
     or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized to provide 
     that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you can write us. 
     Please: 
        ?  include your name, mailing address, and the last four digits of your Account number;  
        ?  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        ?  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        ?  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Telephone Monitoring: You agree that we (and our affiliated agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this 
     information. You can update your mobile number by calling us at the phone number on the back of your Card.  
      
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     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents and other partners and 
     employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact you at the 
     number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal 
     transaction; (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you 
     no longer permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance 
     immediately due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. 
     Any joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is 
     subject to an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The 
     rounding to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDIN G ARBITRATION. 
     You have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidi aries, affiliates, 
     successors, predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in 
     connection with the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, 
     whether contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to 
     arbitration whether they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay 
     us in full any outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, 
     meaning, or scope of this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about 
                                           6 
      
      
     what Claims are subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be 
     enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS  YOU  REJECT  THIS  AGREEMENT  TO  ARBITRATE,  YOU  AND  WE  WAIVE  THE  RIGHT  TO  ASSERT  OR 
           PARTICIPATE IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN 
           ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same 
     account). This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the 
     individual who is the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office 
     located in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired 
     state appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The 
     arbitrator is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect 
     at the time the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this 
     Card Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. 
     Subject to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a 
     party any damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration 
     any damages or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting 
     forth the disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and 
     conclusions on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and 
     shall not have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic 
     hearing, or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
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     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and 
     Costs�. Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the na med parties and 
     enforceable by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate 
     apply to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized 
     Users of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, 
     Attention: Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or 
     effective. If you decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include 
     your name, address, account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this 
     Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or 
     effect and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement 
     to arbitrate or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then 
     the agreement to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if 
     arbitration is unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement 
     or in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described 
     above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations 
     under this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
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     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to 
     conform to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration 
     Provision. 
      
     Your Billing Rights: Keep this Document for Future Use  
     This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.  
      
     What To Do If You Find A Mistake On Your Statement  
     If you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.  
      
     In your letter, give us the following information:  
        ?  Account information: Your name and Account number.  
        ?  Dollar amount: The dollar amount of the suspected error.  
        ?  Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.  
      
     You must contact us:  
        ?  Within 60 days after the error appeared on your statement.  
        ?  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.  
      
     You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you 
     may have to pay the amount in question.  
      
     What Will Happen After We Receive Your Letter  
     When we receive your letter, we must do two things: 
      
     1.  Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.  
     2.  Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.  
      
     While we investigate whether or not there has been an error:  
        ?  We cannot try to collect the amount in question, or report you as delinquent on that amount.  
        ?  The charge in question may remain on your statement, and we may continue to charge you interest on that amount.  
        ?  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.  
        ?  We can apply any unpaid amount against your credit limit.  
      
     After we finish our investigation, one of two things will happen:  
     If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.  
      
     If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a 
     statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you 
     owe.  
      
     If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
     we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we 
     reported you as delinquent, and we must let those organizations know when the matter has been settled between us.  
      
     If we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount you question even if your bill is correct.  
      
     Your Rights If You Are Dissatisfied With Your Credit Card Purchases  
     If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the 
     problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.  
      
     To use this right, all of the following must be true:  
      
     1.  The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate the company that sold you the goods or services.)  
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     2.  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your 
        credit card account do not qualify.  
     3.  You must not yet have fully paid for the purchase.  
      
     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our 
     decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
     the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. 
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement 
     controls.  
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made 
     with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a 
     statement credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of 
     the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be 
     posted, you WILL NOT receive the credit. Cash back rewards have no cash value.  
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by 
     law. The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your 
     ability to earn cash back rewards.  
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
     � 2018 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-00642  D057 / M-124223 
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