PR I C I N G   I NFORMAT I O N 
                                    C L ASS I C   &   P L AT I NU M  
                                      A S   O F   12/31 /1 5  
     	 �
     V a ri ab le   A nn u a l   P e r centag e   Rate s   ( AP Rs )   an d   co r respond i n g   pe ri od ic   r ate s   fo r   P u r chas e   an d   B a l anc e   T r ansfe r   ba l anc e s : 
          P ri m e *   p l u s   a   m a r g in   o f   5.25%  -   15.50%  ( 8 . 75 %   -   1 9 . 00 %   APR )  
          Co r respo n d i n g  m onth ly   per i od ic   rate s   o f   ( 0.7 29 %  -   1. 461 % )  
     	 �
     V a ri ab le   A nnua l   P e r centag e   Rat e   ( AP R )   an d   co r respo n d i n g   pe ri od ic   r at e   fo r   Cas h   A dvanc e   ba l ance s  
     	 �
          P ri m e *   p l u s   a   m a r g in   o f   16.25% (19. 75 % APR)  
          Co r respond i n g  m onth ly   per i od ic   rat e   o f   (1. 6 46 % )  
     * AP R s   m a y   i ncreas e   o r   decreas e   fo r   e ac h   ne w   b i lli n g   cyc le   base d   o n   chan g e s   in   th e   U.S .   Pr i m e   Rat e   pub li she d   in   Th e   W a ll   Stree t   Journa l  
     ( �Pr i m e � ) .  Eac h   AP R   w ill   equa l   th e   su m   o f   Pr i m e   p l u s   th e   app li cab le   m arg in   ( � M arg i n � ) .  M arg in   m ean s  th e   percentag e   po i nt s   a dde d   t o   th e  
     Pr i m e   Rat e   t o   ca l cu l at e   th e   APR .  A n   i ncreas e   in   you r   rate s   w ill   i ncreas e   you r   i nteres t   charge s   an d  m a y   i ncreas e   you r   m i n i m u m   m onth ly  
     pay m ent .  You r   rate s   w ill   no t   exce e d   th e   m ax i m u m   w e   ar e   a ll owe d   t o   charg e   unde r   app li cab le  l a w .  
     	 �
     P ena l t y   AP R   an d   whe n   it   app li es :    Non e  
     	 �
     P ay i n g   Inte r est :  
          Y ou r   du e   dat e   is   a t   l eas t   2 4   day s   afte r   th e   c l os e   o f   eac h   b illi n g   cyc l e .  
     	 �
          P u r chas e s:   We will not charge you interest on purchases if you pay your New Balance by the Payment Due Date   
          shown on your statement each month.  
           
          Balance Transfers:  We will not charge you interest on balance transfers if you pay your New Balance by the Payment Due   
          D ate shown on your statement each month.  
          Cas h   Advanc e s   �   W e   w ill   charg e   yo u   i nteres t   o n   Cas h   A dvan ce s   fro m   th e   dat e   o f   post i ng . 
     M i n i m u m   Interes t   Charge :  Charge d   i nteres t   w ill   b e   n o   l es s   tha n   $.50 .  
     	 � 	 �
     Fees :   A nnua l   Fee :    $ 0  
          	 �
          Transact i o n   Fees :  
               B a l anc e   T r ansfe r:     $ 0  
               Cas h   Advanc e :     3 %   o f   eac h   ne w   Cas h   Advanc e   (no t   l es s   tha n   $1 0   pe r   tr a nsact i on ) 
                Fore i g n   Transact i on :     3 %   o f   eac h   transa c t i o n   conve r te d   t o   U S   Do ll ar s  
     	 �
     P ena l t y   F ees :   Lat e   Pay m ent :         U p   t o   $3 5 	 �
               O ver - the - Cred it  L i m i t :     $ 0  
               Returne d   Pay m ent :     U p   t o   $3 5  
     	 �
     Ho w   w e   w ill   ca l cu l at e   you r   ba l ance :    W e   us e   a   m etho d   ca ll e d   "averag e   da ily   ba l anc e   ( i nc l ud i n g   ne w   purchase s ,   ba l anc e   transfe r s   an d 
     cas h   adv a nces)" .     
     Ca l cu l at i n g   Averag e   Da ily   Ba l anc e   �   P u r chas e   B a l ance   and Balance Transfers .   Y o u   w ill   hav e   a   g r ac e   pe ri o d   du ri n g   wh i c h   w e   w i l l   no t 
     i m pos e  a n   i nteres t   charg e   o n   Purchase s   and Balance Transfers   if   yo u   pa y   in   fu ll   you r   Ne w   Ba l anc e   b y   th e   P ay m en t   Du e   Dat e   show n   o n  
     th e   b il l i n g   state m en t   eac h  m ont h .   O therw i se ,   w e   w ill   i m pos e   a   per i od ic   i nteres t   charg e   o n   th e   averag e   da ily   ba l anc e   o f   Purchase s   and 
     Balance Transfers .   T o   deter m i n e   th is   averag e   da ily  ba l ance ,   w e   (a )   sta rt   w i t h   th e   prev i ou s   Purchas e   and Balance Transfer   ba l anc e s   a t   t h e  
     beg i nn i n g   o f   eac h   ne w   b illi n g   cyc le   an d   subtrac t   an y   unpa id   i nteres t  charg e   an d   un p a id   fee s   wh i c h   wer e   i nc l ude d   in   th ose   ba l ance s ;   (b )  
     deter m i n e   th e   Purchas e   and Balance Transfer   ba l anc e s   fo r   ea c h   da y   o f   t h e   b il l i n g   cyc le   b y  subtract i n g   an y   pay m ent s   an d   cred i t s   app li e d   t o  
     th e   Purchas e   and Balance Transfer   ba l anc e s   an d   b y   add i n g   ne w   Pu r chases   and Balance Transfers ;   an d   (c )   a t   th e   en d   o f   t h e   b il lin g  cyc l e ,  
     ad d   thes e   da ily   ba l ance s   an d   d i v i d e   th e   tot a l   b y   th e   nu m be r   o f   day s   in   th e   b il l i n g   cyc l e   t o   deter m i n e   th e   averag e   da ily   ba l anc e   fo r 
     P u r chas es   and Balance Transfer s .    W e   the n   m u l t i p ly   th is   averag e   da i l y   ba l anc e   b y   th e   m onth ly   per i od ic   rat e   tha t   app l ie s   t o   Purchase s   and 
     Balance Transfers   t o   deter m i n e   th e   a m oun t  o f   you r   per i od ic   i nteres t   charg e   o n   Purchase s   and Balance  Transfers .  
      
     Ca l cu l at i n g   Averag e   Da ily   Ba l anc e   �   Cas h   Advanc e   Ba l ance .   Ther e   is   n o   grac e   per i o d   fo r   Cas h   Advanc es .   W e   w ill   i m pos e   a   per i od ic 
     i nteres t   charg e   o n   th e   averag e   da ily   ba l anc e   o f   C as h   A d vance s .   T o   deter m i n e   th is   averag e   da ily   ba l ance ,   w e   (a )   sta rt   w i t h   th e   prev i ou s 
     Cas h   Advanc e   ba l anc e   a t   t h e   beg i nn i n g   o f   eac h   ne w   b il l i n g   cyc le   an d   subtrac t   an y   un p a id   i nteres t   charg e   an d   unpa id   fee s   wh i c h   wer e 
     i nc l ud e d   in   tha t   ba l anc e ;   (b )   deter m i n e   th e   C as h   A dva n c e   ba l anc e   fo r   eac h   da y   o f   th e   m onth ly   b il lin g   cyc le   b y   subtract i n g   pay m ent s   an d 
     cred i t s   app l i e d   t o   th e   C as h   A dvanc e   ba l anc e   an d   ad d i n g   ne w   C as h   A dvanc es ;   an d   (c )   a t   t h e   en d   o f   t h e   b il lin g   cyc l e ,   ad d   thes e   da i l y 
     ba l ance s   an d   d i v i d e   th e   tota l   b y   th e   nu m be r   o f   day s   in   th e   b il l i n g   cy c le   t o   deter m i n e   th e   averag e   da ily   ba l anc e   fo r   Cas h   Advance s.  W e 
     the n   m u l t i p ly   th is   averag e   da ily   ba l anc e   b y   th e   m onth ly   per i od ic   rat e   tha t   app li e s   t o   Cas h   Advance s .   Th e   resu l t   is   you r   per i od ic   i nteres t 
     charg e   o n   Cas h   Advances .
 other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the d binding arbitration. The small claims court exclusion applies only so long as the dispute the dispute remains in the small claims court and is an individual (non-class, non-rep- ispute 1101 Laurel Oak Road, Suite 100 JAMS JAMS JAMS JAMS JAMS JAMS JAMS Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitration will pay the initial filing fee, except that place agreed upon by you and us. The arbitrator will use reasonable efforts to protect  Costs of Arbitration. The party filing for arbitration will pay the initial filing fee, except that Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitra tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error:
        CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT
 must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. resentative) Claim. If a Claim asserted in small claims court is transferred or appealed  1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 Voorhees, NJ  08043 you  you  con?dential information if requested to do so by any party. The arbitrator will make  you  you  you  you  you  may  may  may  may  may  may  may  seek  seek  seek  seek  seek  seek  seek  a  a  a  a  a  a  a  waiver  waiver  waiver  waiver  waiver  waiver  waiver  of  of  of  of  of  of  of  the  the  the  the  the  the  the  filing  filing  filing  filing  filing  filing  filing  fee  fee  fee  fee  fee  fee  fee  and/or  and/or  and/or  and/or  and/or  and/or  and/or  other  other  other  other  other  other  other  arbitration  arbitration  arbitration  arbitration  arbitration  arbitration  arbitration  fees  fees  fees  fees  fees  fees  fees  under  under  under  under  under  under  under  the the the the the the the � � � � � � � We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as delinquent on that We cannot try to collect the amount in question, or report you as delinquent on that We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as  delinquent on that  delinquent on that  delinquent on that  delinquent on that  delinquent on that
 accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or  If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either to a different court, either you or we may then elect mandatory, binding arbitration  appealed to a different court, either Toll free number:  877-495-4185 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify any award in writing and, upon a timely written request, provide a written statement of  Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify amount. amount. amount. amount. amount. amount. amount. and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act
 account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration pursuant to this Arbitration Provision. This Arbitration Provision is made pursuant to a  this  Arbitration www.jamsadr.com http://www.adr.org www.jamsadr.com www.jamsadr.com www.jamsadr.com www.jamsadr.com www.jamsadr.com www.jamsadr.com for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you reasons for the award. for, a waiver, we will c for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you onsider any written request by you for us to pay or reimburse you � � � � � � � The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing Provision. This Arbitration Provis Provision. This Arbitration Provision is made pursuant to a transaction involving interstate Provision. This Arbitration Provis Provision. This Arbitration Provision is made pursuant to a transaction involving interstate Provision. This Arbitration Provis Provision. This Arbitration Provision is made pursuant to a transaction involving interstate Provision. This Arbitration Provis transaction involving interstate commerce and shall be governed by and enforceable  ion is made pursuant to a transaction involving interstate ion is made pursuant to a transaction involving interstate ion is made pursuant to a transaction involving interstate ion is made pursuant to a transaction involving interstate Except for the small claims court exclusion set forth above, either you or we may ask  1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s F for all or part of the Administrator�s Fees. If you pay the initial filing fee and you prevail in Costs of Arbitration. You and we will be responsible for paying the fees of the arbitrator  for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre ees. If you pay the initial filing fee and you prevail in vail in vail in vail in vail in vail in charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be govern commerce and shall be governed by and enforceable under the Federal Arbitration Act (the under the Federal Arbitration Act (the FAA). ed by and enforceable under the Federal Arbitration Act (the an appropriate court to compel arbitration, or stay litigation pending arbitration, of any  � � � � � � � While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the
 Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you and any administrative fees charged by the Administrator according to the rules and  the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 a new charge. a new charge. a new charge. a new charge. a new charge. a new charge. a new charge. �FAA�). �FAA�). �FAA�). �FAA�). �FAA�). �FAA�). �FAA�). De?nitions for Arbitration Provision. As used in this Arbitration Provision, the following  Claim, even if the Claim is part of a lawsuit in court. A party who has asserted a Claim  procedures of the Administrator. We will also pay or reimburse you for all or part of  remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance.
 appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 terms have the following de?nitions. The words we, our, and us mean First Tennessee  in a lawsuit may nevertheless elect mandatory arbitration with respect to any Claims 
 Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following  Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms terms other arbitration fees, if the arbitrator determines there is good reason to do so, and we  � � � � � � � We can apply any unpaid amount against your credit limit. We can apply any unpaid amoun We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. t against your credit limit.
 even if the Claim is part of a lawsuit in court. A party wh even if t even if the Claim is part of a lawsuit in court. A party who has asserted a Claim in a lawsuit even if the Claim is part of a lawsuit in court. A party wh even if the Claim is part of a lawsuit in court. A party wh even if the Claim is part of a lawsuit in court. A party who has asserted a Claim in a lawsuit even if the Claim is part of a lawsuit in court. A party wh he Claim is part of a lawsuit in court. A party who has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, wh to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. ich we are required to pay by law. Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard  Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 Bank National Association (which also is branded as First Horizon), its parent company,  subsequently asserted in that lawsuit by any other party. Delay in exercising these 
 have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank will pay any fees and costs, which we are required to pay by law or by the rules and 
 debt you owe us. debt you owe us. debt you owe us. debt you owe us. debt you owe us. debt you owe us. debt you owe us. may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with r may nevertheless elect mandatory arbitration with respect to any Claims subsequently espect to any Claims subsequently Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who p Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that revails, except that After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 and their direct and indirect subsidiaries and af?liates, together with their employees,  rights shall not waive such rights. Failure to exercise arbitration rights with respect to a 
 National Association (which also is branded as First Horizon), its  National Associat National Association (which also is branded as First Horizon), its parent company, and their National Association (which also is branded as First Horizon), its  National Association (which also is branded as First Horizon), its  National Association (which also is branded as First Horizon), its parent company, and their National Association (which also is branded as First Horizon), its  ion (which also is branded as First Horizon), its parent company, and their parent company, and their parent company, and their parent company, and their parent company, and their asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive a party may recover them from  a party may recover them from another party if the arbitrator determines that applicable law procedures of the Administrator.  In addition, in the event that you receive an arbitration  a party may recover them from another party if the arbitrator determines that applicable law a party may recover them from  a party may recover them from  a party may recover them from  a party may recover them from  another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law
 Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient � � � � � � � If we made a mistake: You will n If we made a mistake: You will not have to pay the amount in question or any interest If we made a mistake: You will not have to pay the amount in question or any interest If we made a mistake: You will n If we made a mistake: You will n If we made a mistake: You will n If we made a mistake: You will n ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 of?cers, directors, successors, and assigns. The words you, your, and yours refer to  particular Claim shall not waive your right or our right to demand arbitration of any other  award that is greater than our last written settlement offer, the arbitrator shall have the 
 reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  wit direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, h  their  employees,  officers, so requires. so requires. so requires. so requires. so requires. so requires. so requires. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 any Consumer applicant, co-applicant, authorized user of the account, or legal repre- such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not Claim.  If the Administrator declines to administer a Claim in arbitration, then either party  such rights. Failure to exercise  such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not arbitration rights with respect to a particular Claim shall not discretion to require us to pay your attorneys� fees and costs. Otherwise, each party will 
 directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a � � � � � � � If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND sentative of any of the foregoing, and anyone claiming through such person or incident  waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand ar shall have the right to proceed with the Claim as a lawsuit in court, in which case the  waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. bitration of any other Claim. bear its own attorneys� fees and costs, regardless of who prevails.
 co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the acco co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, unt, or legal representative of any of the foregoing,
 ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND to the account..  The word �Consumer� means a natural person who holds an account  Class Action Waiver set forth below still applies. party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Ad party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s ministrator�s along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statemen along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount t of the amount Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 Class Action Waiver.  Class Action Waiver. No Claim submitted to arbitration is heard by a jury or may be brought Class Action Waiver. No Claim submitted to arbitration is heard by a jury or may be brought Class Action Waiver.  Class Action Waiver.  Class Action Waiver. No Claim submitted to arbitration is heard by a jury or may be brought Class Action Waiver.  No Claim submitted to arbitration is heard by a jury or may be brought No Claim submitted to arbitration is heard by a jury or may be brought No Claim submitted to arbitration is heard by a jury or may be brought No Claim submitted to arbitration is heard by a jury or may be brought
 and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident  and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means to the account. The word Claim means Finality of Arbitration. The arbitrator�s decision is ?nal and binding on the parties, except 
 you owe and the date payment is due. We may then report you as delinquent if you you owe and th you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you e date payment is due. We may then report you as delinquent if you Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this primarily for personal, family or household purposes. The word Claim means any claim,  Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) waive  rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a
 for any right of appeal provided by the FAA. Costs will be allocated in the same way 
 any claim, con any claim, controversy, or dispute of any kind between you and us arising from or relating to any claim, controversy, or dispute of any kind between you and us arising from or relating to any claim, con any claim, con any claim, controversy, or dispute of any kind between you and us arising from or relating to any claim, con troversy, or dispute of any kind between you and us arising from or relating to troversy, or dispute of any kind between you and us arising from or relating to troversy, or dispute of any kind between you and us arising from or relating to troversy, or dispute of any kind between you and us arising from or relating to as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class actio as a class action or as a private attorney general. You do not have the right to act as a class n or as a private attorney general. You do not have the right to act as a class
 do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. New Balance New Balance New Balance New Balance New Balance New Balance New Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of controversy, or dispute of any kind arising from or relating to the account or any re- the right to proceed as part of any class action and (2) waive the right to a trial by jury  single arbitrator. A final and binding award is subje sin as costs are allocated in arbitration by a single arbitrator. A ?nal and binding award  single arbitrator. A final and binding award is subject to judicial review only as provided by single arbitrator. A final and binding award is subje single arbitrator. A final and binding award is subje single arbitrator. A final and binding award is subje single arbitrator. A final and binding award is subje gle arbitrator. A final and binding award is subject to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by
 the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the acc the account or any relationship arising from or related to the account. The word Claim ount or any relationship arising from or related to the account. The word Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect t representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim o any Claim Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 lationship arising from or related to the account. The word Claim includes, but is not 
 this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and of any and all Claims.  No Claim submitted to arbitration is heard by a jury or may be  the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having is subject to judicial review only as provided by the FAA. An arbitration award will be  the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having If you receive our ex If you receive our explanation but still believe your bill is wrong, you must write to us within If you receive our ex If you receive our explanation but still believe your bill is wrong, you must write to us within If you receive our ex If you receive our ex If you receive our ex planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within
 includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you a includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us nd us submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be
 limited to, any claim, controversy or dispute involving one or more of the following: Form of Payments Form of Payments Form of Payments Form of Payments Form of Payments Form of Payments Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 effect. effect. effect. effect. effect. effect. effect. brought as a class action or as a private attorney general.  You do not have the right to  jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as
 involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: arbitrated on an individual basis by a single arbitrat arbi arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority to resolve arbitrated on an individual basis by a single arbitrat arbitrated on an individual basis by a single arbitrat arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority to resolve arbitrated on an individual basis by a single arbitrat trated on an individual basis by a single arbitrator. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve enforceable under the FAA by any court having jurisdiction.
   Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payme Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payment  Paymen nt Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 t Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
   � the formation, application, enforceability, or interpretation of this Arbitration Pro- act as a class representative or participate as a member of a class of claimants with  delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell y delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the ou the
 Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and u Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make s alone, and the arbitrator�s authority to make Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination  Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or
 � � � � � � � the  the  the  the  the  the  the  application,  application,  application,  vision or other part of the Agreement; application,  application,  application,  application,  enforceability,  enforceability,  enforceability,  enforceability,  enforceability,  enforceability,  enforceability,  or  or  or  or  or  or  or  interpretation  interpretation  interpretation  interpretation  interpretation  interpretation  interpretation  of  of  of  of  of  of  of  this  this  this  this  this  this  this  Arbitration  A Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  rbitration  Provision  Provision  Provision  Provision  Provision  Provision  Provision  or or or or or or or Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 respect to any Claim submitted to arbitration (Class Action Waiver). Any Claim resolved  changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the or changes in the Agreement and/or related agreements or programs, the account, and  changes in th changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the e Agreement and/or related agreements or programs, the account, and the name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those we  reported  you  as  delinquent,  and  we  must  let  those
 on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, other part of the Agreement other part of the Agreement; other part of the Agreement; other part of the Agreement other part of the Agreement other part of the Agreement; other part of the Agreement ; ; ; ; awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
   � any advertisements, solicitations, disclosures or other communications relating  by arbitration shall be arbitrated on an individual basis by a single arbitrator. The arbitra-
 or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by  be joined or consolidated in arbitration with Claims brought by relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  co the relationship between you and us concerning the account and related programs; (ii)  relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) ncerning  the  account  and  related  programs;  (ii) organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do not follow all of organizations know when the matter has been settled between us. If we do not follow all of organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do n ot follow all of ot follow all of ot follow all of ot follow all of ot follow all of
     Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 � � � � � � � any  any  any  any  any  any  any  to the account, whether made before or after the account was opened; adver tisements,  adver tisements,  adver tisements,  adver tisements,  adver tisements,  adver tisements,  adver tisements,  solicitations,  solicitations,  solicitations,  solicitations,  solicitations,  solicitations,  solicitations,  disclosures  disclosures  disclosures  disclosures  disclosures  disclosures  disclosures  or  or  or  or  or  or  or  other  other  other  other  other  other  other  communications  communications  communications  communications  communications  communications  communications  tor�s authority to resolve Claims is limited to Claims between you and us alone, and  bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account, 
 internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties.  otherwise agreed to in writing by all parties. ban bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or ban ban ban ban kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your
     Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
   relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to t relating to the account, whether made before or after the account was opened; � the opening, administration and termination of the account; he account, whether made before or after the account was opened; the arbitrator�s authority to make awards is limited to you and us alone. Furthermore, 
 any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims or any amounts owed on the account. Any different agreement regarding arbitration of  any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims bill is correct. bill is correct. bill is correct. bill is correct. bill is correct. bill is correct. bill is correct.
 illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  deemed deemed deemed deemed deemed deemed deemed Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
   � any transactions involving the account; Sev Severability. The parties to this Arbitration Provision acknowledge that the Class Action Claims brought by you against us or by us against you may not be joined or consoli- Severability. The parties to this Arbitration Provision acknowledge that the Class Action Sev Sev Severability. The parties to this Arbitration Provision acknowledge that the Class Action Sev erability. The parties to this Arbitration Provision acknowledge that the Class Action erability. The parties to this Arbitration Provision acknowledge that the Class Action erability. The parties to this Arbitration Provision acknowledge that the Class Action erability. The parties to this Arbitration Provision acknowledge that the Class Action
 � � � � � � � the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; must be agreed in writing. must be agreed in writing. Claims must be agreed in writing.
 an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other must be agreed in writing. must be agreed in writing. must be agreed in writing. must be agreed in writing. must be agreed in writing. Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and dated in arbitration with Claims brought by or against someone other than you, unless  Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and
 related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal � � � � � � �   any transactions involving the account; any transactions involving the account; any transactions involving the account; any transactions involving the acc any transactions involving the account; any transactions involving the account; any transactions involving the account; � any interest, fees and other charges to the account; ount; If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services that you have purchased with yo If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services th If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services that you have purchased with your credit at you have purchased with your credit ur credit Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided otherwise agreed to in writing by all parties. is non-severable from this Arbitration Provision. If the Class Actio is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided n Waiver is limited, voided Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document fo Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use r Future Use
   � any products or services (whether provided by us or a third party) related to or 
 use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or � � � � � � � any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for t Severability.  The parties to this Arbitration Provision acknowledge that the Class Action 
 offered in connection with the account; or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) his sentence) This This This This This This This notice notice notice notice notice notice notice tells you tells you tells you tells you tells you tells you tells you about about about about about about about your your your your your your your rights rights rights rights rights rights rights and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculat Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 ing Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, have the right not to pay the have the right not to pay the remaining amount due on the purchase. have the right not to pay the have the right not to pay the remaining amount due on the purchase. have the right not to pay the have the right not to pay the have the right not to pay the  remaining amount due on the purchase.  remaining amount due on the purchase.  remaining amount due on the purchase.  remaining amount due on the purchase.  remaining amount due on the purchase.
 � � � � � � � any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  us  or  a  third  party)  related  to  or  Waiver is material and essential to the arbitration of any disputes between the parties 
   � any use or disclosure of information about you or the account; shall be null and void with respect t shall be null and void with respect to such proceeding, subject to the right to appeal the shall be null and void with respect to such proceeding, subject to the right to appeal the shall be null and void with respect t shall be null and void with respect t shall be null and void with respect to such proceeding, subject to the right to appeal the shall be null and void with respect t o such proceeding, subject to the right to appeal the o such proceeding, subject to the right to appeal the o such proceeding, subject to the right to appeal the o such proceeding, subject to the right to appeal the Billing Act. Billing Act. Billing Act. Billing Act. Billing Act. Billing Act. Billing Act. Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. offered in conn offered in connection with the account; offered in connection with the account; offered in conn offered in conn offered in connection with the account; offered in conn ection with the account; ection with the account; ection with the account; ection with the account; and is non-severable from this Arbitration Provision.  If the Class Action Waiver is  To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true:
 limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that  Class Action Waiver. The parties acknowledge and agree that
   � any other matters relating to the account or your credit card relationship with us.
 limited, voided or found unenforceable, then the parties� agreement to arbitrate (except  What To Do If You Find A Mistake On Your Statement W What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement hat To Do If You Find A Mistake On Your Statement Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or 1. 1. 1. 1. 1. 1. 1. The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of 
 � � � � � � � All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Pro- any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account any use or disclosure of information about you or the account; ; under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration
 I f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box If you think there is an error on your statement, write to us at: BankCard Center, P.O. Box If you think there is an error on your statement, write to us at: BankCard Center, P.O. Box I I f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box If you think there is an error on your statement, write to us at: BankCard Center, P.O. Box f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box I f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you for this sentence) shall be null and void with respect to such proceeding, subject to  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than   
 � � � � � � � vision, regardless of whether the Claim: (i) previously existed, is now existing (whether  any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provisi Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be on, other than the Class Action Waiver, cannot be enforced, that portion will be
 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) the right to appeal the limitation or invalidation of the Class Action Waiver.  The parties  $50.  $50.  $50.  $50.  $50.  $50.  $50.  (Note:  (Note:  (Note:  (Note:  (Note:  (Note:  (Note:  Neither  Neither  Neither  Neither  Neither  Neither  Neither  of  of  of  of  of  of  of  these  these these  these  these  these  these    is  is  is  is  is  is  is  necessary  necessary  necessary  necessary  necessary  necessary  necessary  if  if  if  if  if  if  if  your  your  your  your  your  your  your  purchase  purchase  purchase  purchase  purchase  purchase  purchase  was  was  was  was  was  was  was  based  based  based  based  based  based  based  on  on  on  on  on  on  on  an  an  an  an  an  an  an 
 severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of  severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. the Arbitration Provision will continue to apply. Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 � � � � � � � discovered or undiscovered) or arises later; (ii) is based on a theory of contract, tort  any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. acknowledge and agree that under no circumstances will a class action be arbitrated.  a transaction dispute. You will need to give us the following information:  a transaction dispute. You will need to give us the following information:  a transaction dispute. You will need to give us the following information a transaction dispute. You will need to give us the following information:  a transaction dispute. You will need to give us the following information:  a transaction dispute. You will a transaction dispute. You will need to give us the following information:   need to give us the following information:  : 
 if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the 
 (including intentional tort), negligence, agency or other vicarious liability, fraud, statute,  A Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve If any portion of this Arbitration Provision, other than the Class Action Waiver, cannot  Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve A A rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will re A rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve solve Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 us such written information as us such written information as us such written information as us such written information as us such written information as us such written information as us such written information as  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation. Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the f Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity oregoing, the word Claim does not include any challenge to the validity � � � � � � � Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. good goods or services.) goods or services.) good good good good s or services.) s or services.) s or services.) s or services.) s or services.)
 regulation, constitution, or any other source of law or equity; (iii) seeks monetary dam- Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 and effect of the Class Action Waiver set forth below, which must be decided by a co and effect of the Class Action Wai and effect of the Class Action Waiver set forth below, which must be decided by a court. and effect of the Class Action Waiver set forth below, which must be decided by a co and effect of the Class Action Waiver set forth below, which must be decided by a co and effect of the Class Action Waiver set forth below, which must be decided by a court. and effect of the Class Action Waiver set forth below, which must be decided by a co ver set forth below, which must be decided by a court. urt. urt. urt. urt. Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration be enforced, that portion will be severed, and the rest of the Arbitration Provision will  Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration � � � � � � � Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected e Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. rror. 2. 2. 2. 2. 2. 2. 2. You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash 
 Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that ages, or declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an  Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fe Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fee es  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 s  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 Provision.  Provision.  continue to apply. Provision.  Provision.  Provision.  Provision.  Provision.  This  This  This  This  This  This  This  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Provision  Provision  Provision  Provision  Provision  Provision  Provision  will  will  will  will  will  will  will  govern  govern  govern  govern  govern  govern  govern  in  in  in  in  in  in  in  the  the  the  the  the  the  the  event  event  event  event  event  event  event  of  of  of  of  of  of  of  conflict  conflict  conflict  con conflict  conflict  conflict  flict  with  with  with  with  with  with  with  the the the the the the the
 occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitr All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, initial claim, counterclaim, crossclaim, interpleader action, third-party claim or other  ation Provision, � � � � � � � Description of problem: If you think there i Description of problem: If you think there is an error on your bill, describe what you Description of problem: If you think there is an error on your bill, describe what you Description of problem: If you think there i Description of problem: If you think there i Description of problem: If you think there is an error on your bill, describe what you Description of problem: If you think there i s an error on your bill, describe what you s an error on your bill, describe what you s an error on your bill, describe what you s an error on your bill, describe what you advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do 
   Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will  Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. not qualify. not qualify. not qualify. not qualify. not qualify. not qualify. not qualify.
 before you notify us.  before you notify us.  before you notify us.  before you notify us.  before you notify us.  before you notify us.  before you notify us.  regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered action; or (v) is asserted as an individual claim or as part of a class action or other  Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 limited by the Administrator�s rules and procedures. T limi resolve Claims pursuant to the rules and procedures of the Administrator and this Ar- limited by the Administrator�s rules and procedures. The arbitrator will apply applicable limited by the Administrator�s rules and procedures. T limited by the Administrator�s rules and procedures. T limited by the Administrator�s rules and procedures. The arbitrator will apply applicable limited by the Administrator�s rules and procedures. T ted by the Administrator�s rules and procedures. The arbitrator will apply applicable he arbitrator will apply applicable he arbitrator will apply applicable he arbitrator will apply applicable he arbitrator will apply applicable
 or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on  or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including a theory of contract, tort (including 3. 3. 3. 3. 3. 3. 3. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase.
 representative or collective action. (Any Claim asserted as part of a class action or other  You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: Notices Notices Notices Notices Notices Notices Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applicable statutes of limitations and honor bitration Provision. This Arbitration Provision will govern in the event of con?ict with  substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applica substantive law consistent with the FAA and applicable statutes of limitations and honor ble statutes of limitations and honor
 intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability,  intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, representative or collective action shall proceed in arbitration on an individual basis as  fraud, statute, regulation, If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all of the criteria above are me If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all of the criteria above are met and you are still dissatisfied with the purchase, contact us  of the criteria above are met and you are still dissatisfied with the purchase, contact us t and you are still dissatisfied with the purchase, contact us
 legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any the Administrator�s rules and procedures. Discovery procedures available to parties  legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any � � � � � � � Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Def Def Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 ault/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 ault/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION:  PLEASE READ THE FOLLOWING ARBITRATION PROVISION CARE- ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. constitution,  or  any  ot constitution,  or  any  other  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or constitution,  or  any  other  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or constitution,  or  any  ot constitution,  or  any  ot constitution,  or  any  other  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or constitution,  or  any  ot set forth below.) Joint Cardholders, applicants and authorized users on a single ac- her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 -1545. You may also -1545. You may also -1545. You may also -1545. You may also -1545. You may also
 � � � � � � � At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days before an automated payment is scheduled, if  At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days bef At least 3 business days before an automated payment is scheduled, if you want to ore an automated payment is scheduled, if you want to you want to Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME FULLY. IT PROVIDES FOR MANDATORY ARBITRATION OF CONSUMER CLAIMS  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME will be limited by the Administrator�s rules and procedures. The arbitrator will apply 
 declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive r declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, count or multiple accounts for which the same Cardholders are legally responsible will  elief, or other remedy or relief; (iv) is asserted as an initial claim, damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided fo damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the r under applicable law, but only with respect to the contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While Credit Information Credit Information Credit Information Credit Information Credit Information Credit Information Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 applicable substantive law consistent with the FAA and applicable statutes of limitations  stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong.
 EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  (SUBJECT TO SOME EXCEPTIONS), INSTEAD OF COURT PROCEEDINGS. IF YOU  EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  OF  OF  OF  OF  OF  OF  OF  COURT  COURT  COURT  COURT  COURT  COURT  COURT  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  IF  IF  IF  IF  IF  IF  IF  YOU  YOU  YOU  YOU  YOU  YOU  YOU  OR  OR  OR  OR  OR  OR  OR  WE  WE  WE  WE  WE  WE  WE  ELECT ELECT ELECT ELECT ELECT ELECT ELECT counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is be treated as one person for this purpose.  All questions about whether disputes are   is named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The ar named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision bitrator and this Arbitration Provision we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  Promotions Promotions Promotions Promotions Promotions Promotions Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 and honor legally recognized claims of privilege.  The arbitrator will have the power to 
 ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO  ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or subject to arbitration shall be resolved by interpreting this arbitration provision in the  will not be will not be subject to federal, state, or local rules of procedure and evidence applicable to will not be subject to federal, state, or local rules of procedure and evidence applicable to will not be will not be will not be subject to federal, state, or local rules of procedure and evidence applicable to will not be  subject to federal, state, or local rules of procedure and evidence applicable to  subject to federal, state, or local rules of procedure and evidence applicable to  subject to federal, state, or local rules of procedure and evidence applicable to  subject to federal, state, or local rules of procedure and evidence applicable to You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in wr You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but iting (or electronically). You may call us, but
 award any damages or other relief that would be available in court and are permitted  After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our decision. At that point, if we After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our d After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our decision. At that point, if we think you ecision. At that point, if we think you  think you Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE  BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION collective action. (Any Claim asserted as part of a class action  collective acti collective action. (Any Claim asserted as part of a class action  collective action. (Any Claim asserted as part of a class action or other representative or collective action. (Any Claim asserted as part of a class action  collective action. (Any Claim asserted as part of a class action or other representative or collective action. (Any Claim asserted as part of a class action  broadest way the law will allow it to be enforced. on. (Any Claim asserted as part of a class action or other representative or or other representative or or other representative or or other representative or or other representative or lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an laws lawsuits or to state or local laws relating to arbitration. Either party may choose to have an uits or to state or local laws relating to arbitration. Either party may choose to have an if  if you do we are not required to investigate any potential errors; and you may have to pay if  if you do we are not required to investigate any potential errors; and you may have to pay if  if you do we are not required to investigate any potential errors; and you may have to pay if  you do we are not required to investigate any potential errors; and you may have to pay you do we are not required to investigate any potential errors; and you may have to pay you do we are not required to investigate any potential errors; and you may have to pay you do we are not required to investigate any potential errors; and you may have to pay
 under the terms and conditions of this Agreement, but only with respect to the named  owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT TH PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR IN A CLASS ACTION PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT  PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR AT MAY BE LIMITED OR collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individ collective action shall proceed in arbitration on an individual basis as set forth below). Joint Initiation of Arbitration. The party electing arbitration must use the arbitration adminis- ual basis as set forth below). Joint arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration  arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be hearing may be the amount in question. the amount in question. the amount in question. the amount in question. the amount in question. the amount in question. the amount in question.
 parties and the Claims being arbitrated.  The arbitrator and this Arbitration Provision will  Assignment Assignment Assignment Assignment Assignment Assignment Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO  UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for trator shown below and follow its rules and procedures, except as otherwise stated in  conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you not be subject to federal, state, or local rules of procedure and evidence applicable to  conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter Captions Captions Captions Captions Captions Captions Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOSE APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS CONDUCT DISCOVERY OR TO APPEAL. FEES AND EXPENSES OF ARBITRATION  APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS E E E E E E which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or this Arbitration Provision. Copies of its current rules, procedures, forms, and related  attend in person will occur at a place designated by the Administrator at a location within attend in person will occur at a place designated by the Administrator at a location within lawsuits or to state or local laws relating to arbitration. Either party may choose to have  attend in person will occur at a place designated by the Administrator at a location within attend in person will occur at a place designated by the Administrator at a location within attend in person will occur at a place designated by the Administrator at a location within attend in person will occur at a place designated by the Administrator at a location within attend in person will occur at a place designated by the Administrator at a location within When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two thin When we receive your letter, we must do two things: gs: Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 MAY BE HIGHER THAN THOSE ASSOCIATED WITH COURT PROCEEDINGS. THE 
 ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. information, including information about how to ?le a Claim, may be obtained by con- the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed an arbitration hearing and to be represented by counsel. An arbitration hearing may be  the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed 1. 1. 1. 1. 1. 1. 1. Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your lett Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  er, we must tell you that we received your letter.  Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 ARBITRATOR�S DECISION WILL BE BINDING, EXCEPT AS PROVIDED BELOW.
 BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. tacting the Administrator as follows:
 Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential conducted by telephone if the parties agree. Any participatory arbitration hearing that  upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error.  error. Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 Agreement to Arbitrate. Upon the election of either you or us, any Claims (as de?ned 
 Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and American Arbitration Association information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing you attend in person will occur at a place designated by the Administrator at a location  information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing 2. 2. 2. 2. 2. 2. 2. Within 90 days of receiving your letter,  Within 90 days of receiving your letter, we must either correct the error or explain to  Within 90 days of receiving your letter,  Within 90 days of receiving your letter, we must either correct the error or explain to  Within 90 days of receiving your letter,  Within 90 days of receiving your letter, we must either correct the error or explain to  Within 90 days of receiving your letter,  we must either correct the error or explain to  we must either correct the error or explain to  we must either correct the error or explain to  we must either correct the error or explain to  Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 below), except for Claims ?led in a small claims court, may be resolved by manda-
 below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court,  below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, may be resolved by mandatory, related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: Case Filing Services and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. within the federal judicial district that includes your billing address or at some other  and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 tory, binding arbitration. The small claims court exclusion applies only so long as 
   BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10
 7 7 7 7 7 7 7 8 8 8 8 8 8 8 9 9 9 9 9 10 10 10 10 10 10 10 M-105907  4/12 11 11 11 11 11 11 11 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221
  Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Proper payments received on a day that First Tennessee does not process payments or later Proper payments received on a day that First Tennessee does not process payments or later Proper payments received on a day that First Tennessee does not process payments or later Proper payments received on a day that First Tennessee does not process payments  Proper payments received on a day that First Tennessee does not process payme Proper payments received on a day that First Tennessee does not process payments or later Prope r payments received on a day that First Tennessee does not process payments or later nts or later or later interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of
  including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card.
  notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and Disclosure Table) will Disclosure Table) will Disclosure Table) will Disclosure Table) will Disclosure Table) will apply and may vary each month as described in the Standard Disclosure Table) will Disclosure Table) will apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the
  all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our
  limited  limited  limited  limited  limited  limited  limited  to,  to,  to,  to,  to,  to,  to,  any  any  any  any  any  any  any  application,  application,  application,  application,  application,  application,  application,  convenience  convenience  convenience  convenience  convenience  convenience  convenience  check  check  check  check  check  check  check  or  or  or  or  or  or  or  sa sa sa sa sa sa sa les  les  les  les  les  les  les  slip)  slip)  slip)  slip)  slip)  slip)  slip)  or  or  or  or  or  or  or  other  other  other  other  other  other  other  evidence  evidence  evidence  evidence  evidence  evidence  evidence  of of of of of of of cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average
                                     Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� which  which  which  which  which  which  which  minimum  minimum  minimum  minimum  minimum  minimum  minimum  payments  payments  payments  payments  payments  payments  payments  will  will  will  will  will  will  will  be  be  be  be  be  be  be  applied  applied  applied  applied  applied  applied  applied  to  to  to  to  to  to  to  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Balance  Balance  Balance  Balance  Balance  Balance  Balance  Transfers,  Transfers,  Transfers,  Transfers,  Transfers,  Transfers,  Transfers,  Cash Cash Cash Cash Cash Cash Cash a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing
  indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount
                                     provision  provision  provision  provision  provision  provision  provision  or  or  or  or  or  or  or  upon  upon  upon  upon  upon  upon  upon  amendment  amendment  amendment  amendment  amendment  amendment  amendment  of  of  of  of  of  of  of  this  this  this  this  this  this  this  Agreement,  Agreement,  Agreement,  Agreement,  Agreement,  Agreement,  Agreement,  the  the  the  the  the  the  the  monthly  monthly  monthly  monthly  monthly  monthly  monthly  periodic  periodic  periodic  periodic  periodic  periodic  periodic  rates  rates  rates  rates  rates  rates  rates  and and and and and and and Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent
  account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases.
                                     corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send
  severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by
                                     variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one
  the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National this Agreement.  this Agreement.  this Agreement.  this Agreement.  this Agreement.  this Agreement.  this Agreement.  previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract
                                     in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you
  Association (which also i Association (which also i Association (which also i Association (which also i Association (which also i Association (which also i Association (which also i s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents Finance Charges: Finance Charges: Finance Charges: Finance Charges: Finance Charges: Finance Charges: Finance Charges: any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b)
                                     (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following
  and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any
                                     percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of
  issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write
                                     we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher
  agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545.
                                     last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last
  within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance
                                     your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the statement. statement. statement. statement. statement. statement. statement. Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum
  account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that
                                     calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this
  to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle Agreement).  Agreement).  Agreement).  Agreement).  Agreement).  Agreement).  Agreement).  applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on
                                     the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates w the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates w ill increase your ill increase your Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death,
                                                                        will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will  appear on your billing statement in the Summary of Account Activity section.
  Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers.
                                     interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of
  amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but each  Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under
                                     Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each
  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing month you must pay at least the Minimum Payment Due shown on the billing statement.  If  each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any applicable law. applicable law. applicable law. applicable law. applicable law. applicable law. applicable law.
                                     of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such as of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such as as as as as as
  unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New your New Balance is $25.00 or less, the Minimum Payment Due will be the New Balance in  statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine
                                                                                                                                                                                Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any
                                     balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the
  change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest full.  Otherwise, the Minimum Payment Due will be the total of (1) the greatest of (a) 2.5%  Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments
                                                                                                                                                                                time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any
  associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of your New Balance, (b) 1% of your New Balance, plus interest charges assessed in the  of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges section of your statement. section of your statement. section of your statement. section of your statement. section of your statement. section of your statement. section of your statement. and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c)
                                                                                                                                                                                time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination
  parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margin to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margin s, corresponding APRs and monthly periodic rates for s, corresponding APRs and monthly periodic rates for assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net current billing cycle, (c) any over limit amount in the current cycle, or (d) $25.00; plus (2)  assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number
                                                                                                                                                                                or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or
  will receive adva will receive adva will receive adva will receive adva will receive adva will receive adva will receive adva nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed net fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed  fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We
                                                                                                                                                                                destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and
  applicable law.  applicable law.  applicable law.  applicable law.  applicable law.  applicable law.  applicable law.  containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Disclosure Table on the back of containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Disclosure Table on the back of osure Table on the back of osure Table on the back of osure Table on the back of osure Table on the back of osure Table on the back of in the current billing cyc in the current billing cyc in the current billing cycle; plus (3) all amounts past due and/or over limit, as applicable. in the current billing cycle; plus (3) all amounts past due. in the current billing cyc in the current billing cycle; plus (3) all amounts past due and/or over limit, as applicable. in the current billing cyc in the current billing cycle; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash
                                                                                                                                                                                all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed
                                     the folder.  the folder.  the folder.  the folder.  the folder.  the folder.  the folder.  Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances.
  Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used between us. between us. between us. between us. between us. between us. between us.
                                     Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds  on deposit in a federally- the  the  the  the  the  the  the  transaction  transaction  transaction  transaction  transaction  transaction  transaction  currency  currency  currency  currency  currency  currency  currency  and  and  and  and  and  and  and  the  the  the  the  the  the  the  billing  billing  billing  billing  billing  billing  billing  currency  currency  currency  currency  currency  currency  currency  used  used  used  used  used  used  used  for  for  for  for  for  for  for  processing  processing  processing  processing  processing  processing  processing  international international international international international international international
  to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges:
                                                                                                                                                                                Credit Information. Credit Information. Credit Information. Credit Information. Credit Information. Credit Information. Credit Information. You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative
  to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other ch all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other ch arges, fees arges, fees insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, we  insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, we may, at our option, accept checks or  we may, at our option, accept checks or may, at our option, accept checks or transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash
                                                                                                                                                                                inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the
                                                                                                           in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may
  account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if money orders drawn on non-U.S. banks and impose service and collection charges o money orders drawn on non-U.S. banks and impose service and collection charges o money orders drawn on non-U.S. banks and impose service and collection charges on money orders drawn on non-U.S. banks and impose service and collection charges on money orders drawn on non-U.S. banks and impose service and collection charges on money orders drawn on non-U.S. banks and impose service and collection charges o money orders drawn on non-U.S. banks and impose service and collection charges on n n n Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount
                                                                                                                                                                                Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to
                                                                                                           vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in
  Advances.  Advances.  Advances.  Advances.  Advances.  Advances.  Advances.  applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are made by applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are made by ade by ade by ade by ade by ade by your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal c your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard heck to the BankCard allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the
                                                                                                           effect for the applicable central processing date. You agree to accept the converted amount. provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about
                                                                                                           effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about
                                     you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance
  Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and
  transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on w hich the check was written. Your payment will appear as an Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section.
                                                                                                           a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law
  (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or Credit Limit. Credit Limit. Credit Limit. Credit Limit. Credit Limit. Credit Limit. Credit Limit. Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder co Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder co ntaining your card. We may ntaining your card. We may electronic debit on the statement for the account from which you made payment and will electronic debit on the statement for the account from which you made payment and will electronic debit on the statement for the account from which you made payment and will electronic debit o electronic deb electronic debit on the statement for the account from which you made payment and will electronic debit on the statement for the account from which you made payment and will it on the statement for the account from which you made payment and will n the statement for the account from which you made payment and will Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored,
                                                                                                           Transactions  Transactions  Transactions  Transactions  Transactions  Transactions  Transactions  section  section  section  section  section  section  section  on  on  on  on  on  on  on  your  your  your  your  your  your  your  billing  billing  billing  billing  billing  billing  billing  statement.  statement.  statement.  statement.  statement.  statement.  statement.  The  The  The  The  The  The  The  total  total  total  total  total  total  total  amount  amount  amount  amount  amount  amount  amount  of  of  of  of  of  of  of  any  any  any  any  any  any  any  Currency Currency Currency Currency Currency Currency Currency and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein.
  MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect include the name of the payee �BankCard Center�, include the name of the payee �BankCard Center�, include the name of the payee �BankCard Center�, the check number and the payment include the name of the payee �BankCard Center�, the check number and the payment include the name of the payee �BankCard Center�, the check number and the payment include the name of the payee �BankCard Center�, include the name of the payee �BankCard Center�, the check number and the payment  the check number and the payment  the check number and the payment  the check number and the payment cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a
                                                                                                           Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we
  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree not to conduct any your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree not to conduct any  not to conduct any  not to conduct any  not to conduct any  not to conduct any  not to conduct any amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  requir amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, ed  to)  accept  late  payments,  partial  payments, returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any
                                                                                                           Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and
  ATM owner. ATM owner. ATM owner. ATM owner. ATM owner. ATM owner. ATM owner. payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles. 
                                     transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be
                                     We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are o therwise improper without losing any of our rights under this Agreement,
  Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you
  services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional including our right to require payment of the entire balance. including our right to require payment of the entire balance. including our right to require payment of the entire balance. incl including our right to require payment of the entire balance. including our right to require payment of the entire balance. including our right to require payment of the entire balance. uding our right to require payment of the entire balance.
                                                                                                           shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service,
  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  notice  notice  notice  notice  notice  notice  notice  we  we  we  we  we  we  we  may  may  may  may  may  may  may  limit  limit  limit  limit  limit  limit  limit  the  the  the  the  the  the  the  number  number  number  number  number  number  number  or  or  or  or  or  or  or  dollar  dollar  dollar  dollar  dollar  dollar  dollar  amount  amount  amount  amount  amount  amount  amount  of  of  of  of  of  of  of  account  account  account  account  account  account  account  transactions,  transactions,  transactions,  transactions,  transactions,  transactions,  transactions,  and/or and/or and/or and/or and/or and/or and/or Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request
  Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. to take effect. to take effect. to take effect. to take effect. to take effect. to take effect. to take effect.
                                                                                                           Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not
                                                                        applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay
  to transfer all to transfer all to transfer all to transfer all to transfer all to transfer all to transfer all  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your
                                                                        holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement.
  considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors.
  used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect � � � � � � � Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card
  this Agreement. this Agreement. this Agreement. this Agreement. this Agreement. this Agreement. this Agreement. each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the
  Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other � � � � � � � Payments delivered in person to and processed by an employee at a Fir Payments delivered in person to and processed by an employee at a Fir Payments delivered in person to and processed by an employee at a First Tennessee Payments delivered in person to and processed by an employee at a First Tennessee Payments delivered in person to and processed by an employee at a First Tennessee Payments delivered in person to and processed by an employee at a Fir Payments delivered in person to and processed by an employee at a First Tennessee st Tennessee st Tennessee st Tennessee interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a
  containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location tha financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by t accepts such payments, by account. account. account. account. account. account. account.
                                                                                                           Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should r credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain etain
  folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in  this Agreement, we may consider the statement correct for all  this Agreement, we may consider the statement correct for all close of business at that location close of business at that location close of business at that location close of business at that location close of business at that location close of business at that location close of business at that location Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another your copy of the credit sl your copy of the credit slip prepared by the merchant. If the merchant discloses a policy your copy of the credit slip prepared by the merchant. If the merchant discl your copy of the credit slip prepared by the merchant. If the merchant discloses a policy your copy of the credit slip prepared by the merchant. If the merchant d your copy of the credit sl your copy of the credit slip prepared by the merchant. If the merchant discloses a policy ip prepared by the merchant. If the merchant discloses a policy ip prepared by the merchant. If the merchant discloses a policy iscloses a policy oses a policy
  Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. purposes.  purposes.  purposes.  purposes.  purposes.  purposes.  purposes.  � � � � � � � Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you  limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or make travel or lodging or
                 1 1 1 1 1 1 1                      2 2 2 2 2 2                        3 3 3 3 3 3                       4 4 4 4 4 4                        5 5 5 5 5 5                       6 6 6 6 6 6 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221
 Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Proper payments received on a day that First Tennessee does not process payments or later Proper payments received on a day that First Tennessee does not process payments or later Proper payments received on a day that First Tennessee does not process payments or later Proper payments received on a day that First Tennessee does not process payments  Proper payments received on a day that First Tennessee does not process payme Proper payments received on a day that First Tennessee does not process payments or later Prope r payments received on a day that First Tennessee does not process payments or later nts or later or later interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of
 including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card.
 notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and Disclosure Table) will Disclosure Table) will Disclosure Table) will Disclosure Table) will Disclosure Table) will apply and may vary each month as described in the Standard Disclosure Table) will Disclosure Table) will apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the
 all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our
 limited  limited  limited  limited  limited  limited  limited  to,  to,  to,  to,  to,  to,  to,  any  any  any  any  any  any  any  application,  application,  application,  application,  application,  application,  application,  convenience  convenience  convenience  convenience  convenience  convenience  convenience  check  check  check  check  check  check  check  or  or  or  or  or  or  or  sa sa sa sa sa sa sa les  les  les  les  les  les  les  slip)  slip)  slip)  slip)  slip)  slip)  slip)  or  or  or  or  or  or  or  other  other  other  other  other  other  other  evidence  evidence  evidence  evidence  evidence  evidence  evidence  of of of of of of of cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average
  Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� which  which  which  which  which  which  which  minimum  minimum  minimum  minimum  minimum  minimum  minimum  payments  payments  payments  payments  payments  payments  payments  will  will  will  will  will  will  will  be  be  be  be  be  be  be  applied  applied  applied  applied  applied  applied  applied  to  to  to  to  to  to  to  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Balance  Balance  Balance  Balance  Balance  Balance  Balance  Transfers,  Transfers,  Transfers,  Transfers,  Transfers,  Transfers,  Transfers,  Cash Cash Cash Cash Cash Cash Cash a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing
 indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount
  provision  provision  provision  provision  provision  provision  provision  or  or  or  or  or  or  or  upon  upon  upon  upon  upon  upon  upon  amendment  amendment  amendment  amendment  amendment  amendment  amendment  of  of  of  of  of  of  of  this  this  this  this  this  this  this  Agreement,  Agreement,  Agreement,  Agreement,  Agreement,  Agreement,  Agreement,  the  the  the  the  the  the  the  monthly  monthly  monthly  monthly  monthly  monthly  monthly  periodic  periodic  periodic  periodic  periodic  periodic  periodic  rates  rates  rates  rates  rates  rates  rates  and and and and and and and Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent
 account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases.
  corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send
 severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by
  variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one
 the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National this Agreement.  this Agreement.  this Agreement.  this Agreement.  this Agreement.  this Agreement.  this Agreement.  previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract
  in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you
 Association (which also i Association (which also i Association (which also i Association (which also i Association (which also i Association (which also i Association (which also i s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents Finance Charges: Finance Charges: Finance Charges: Finance Charges: Finance Charges: Finance Charges: Finance Charges: any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b)
  (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following
 and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any
  percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of
 issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write
  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher
 agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545.
  last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last
 within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance
  your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the statement. statement. statement. statement. statement. statement. statement. Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum
 account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that
  calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this
 to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle Agreement).  Agreement).  Agreement).  Agreement).  Agreement).  Agreement).  Agreement).  applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on
  the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates w the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates w ill increase your ill increase your Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death,
                                     will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will  appear on your billing statement in the Summary of Account Activity section.
 Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers.
  interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of
 amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but each  Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under
  Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each
 the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing month you must pay at least the Minimum Payment Due shown on the billing statement.  If  each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any applicable law. applicable law. applicable law. applicable law. applicable law. applicable law. applicable law.
  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such as of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such as as as as as as
 unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New your New Balance is $25.00 or less, the Minimum Payment Due will be the New Balance in  statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine
                                                                                                                                              Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any
  balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the
 change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest full.  Otherwise, the Minimum Payment Due will be the total of (1) the greatest of (a) 2.5%  Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments
                                                                                                                                              time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any
 associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of your New Balance, (b) 1% of your New Balance, plus interest charges assessed in the  of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges section of your statement. section of your statement. section of your statement. section of your statement. section of your statement. section of your statement. section of your statement. and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c)
                                                                                                                                              time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination
 parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margin to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margin s, corresponding APRs and monthly periodic rates for s, corresponding APRs and monthly periodic rates for assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net current billing cycle, (c) any over limit amount in the current cycle, or (d) $25.00; plus (2)  assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number
                                                                                                                                              or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or
 will receive adva will receive adva will receive adva will receive adva will receive adva will receive adva will receive adva nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed net fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed  fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We
                                                                                                                                              destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and
 applicable law.  applicable law.  applicable law.  applicable law.  applicable law.  applicable law.  applicable law.  containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Disclosure Table on the back of containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Disclosure Table on the back of osure Table on the back of osure Table on the back of osure Table on the back of osure Table on the back of osure Table on the back of in the current billing cyc in the current billing cyc in the current billing cycle; plus (3) all amounts past due and/or over limit, as applicable. in the current billing cycle; plus (3) all amounts past due. in the current billing cyc in the current billing cycle; plus (3) all amounts past due and/or over limit, as applicable. in the current billing cyc in the current billing cycle; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash
                                                                                                                                              all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed
  the folder.  the folder.  the folder.  the folder.  the folder.  the folder.  the folder.  Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances.
 Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used between us. between us. between us. between us. between us. between us. between us.
  Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds  on deposit in a federally- the  the  the  the  the  the  the  transaction  transaction  transaction  transaction  transaction  transaction  transaction  currency  currency  currency  currency  currency  currency  currency  and  and  and  and  and  and  and  the  the  the  the  the  the  the  billing  billing  billing  billing  billing  billing  billing  currency  currency  currency  currency  currency  currency  currency  used  used  used  used  used  used  used  for  for  for  for  for  for  for  processing  processing  processing  processing  processing  processing  processing  international international international international international international international
 to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges:
                                                                                                                                              Credit Information. Credit Information. Credit Information. Credit Information. Credit Information. Credit Information. Credit Information. You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative
 to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other ch all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other ch arges, fees arges, fees insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, we  insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, we may, at our option, accept checks or  we may, at our option, accept checks or may, at our option, accept checks or transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash
                                                                                                                                              inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the
                                                                        in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may
 account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if money orders drawn on non-U.S. banks and impose service and collection charges o money orders drawn on non-U.S. banks and impose service and collection charges o money orders drawn on non-U.S. banks and impose service and collection charges on money orders drawn on non-U.S. banks and impose service and collection charges on money orders drawn on non-U.S. banks and impose service and collection charges on money orders drawn on non-U.S. banks and impose service and collection charges o money orders drawn on non-U.S. banks and impose service and collection charges on n n n Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount
                                                                                                                                              Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to
                                                                        vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in
 Advances.  Advances.  Advances.  Advances.  Advances.  Advances.  Advances.  applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are made by applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are made by ade by ade by ade by ade by ade by your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal c your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard heck to the BankCard allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the
                                                                        effect for the applicable central processing date. You agree to accept the converted amount. provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about
                                                                        effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about
  you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance
 Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and
 transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on w hich the check was written. Your payment will appear as an Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section.
                                                                        a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law
 (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or Credit Limit. Credit Limit. Credit Limit. Credit Limit. Credit Limit. Credit Limit. Credit Limit. Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder co Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder co ntaining your card. We may ntaining your card. We may electronic debit on the statement for the account from which you made payment and will electronic debit on the statement for the account from which you made payment and will electronic debit on the statement for the account from which you made payment and will electronic debit o electronic deb electronic debit on the statement for the account from which you made payment and will electronic debit on the statement for the account from which you made payment and will it on the statement for the account from which you made payment and will n the statement for the account from which you made payment and will Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored,
                                                                        Transactions  Transactions  Transactions  Transactions  Transactions  Transactions  Transactions  section  section  section  section  section  section  section  on  on  on  on  on  on  on  your  your  your  your  your  your  your  billing  billing  billing  billing  billing  billing  billing  statement.  statement.  statement.  statement.  statement.  statement.  statement.  The  The  The  The  The  The  The  total  total  total  total  total  total  total  amount  amount  amount  amount  amount  amount  amount  of  of  of  of  of  of  of  any  any  any  any  any  any  any  Currency Currency Currency Currency Currency Currency Currency and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein.
 MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect include the name of the payee �BankCard Center�, include the name of the payee �BankCard Center�, include the name of the payee �BankCard Center�, the check number and the payment include the name of the payee �BankCard Center�, the check number and the payment include the name of the payee �BankCard Center�, the check number and the payment include the name of the payee �BankCard Center�, include the name of the payee �BankCard Center�, the check number and the payment  the check number and the payment  the check number and the payment  the check number and the payment cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a
                                                                        Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we
 amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree not to conduct any your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree not to conduct any  not to conduct any  not to conduct any  not to conduct any  not to conduct any  not to conduct any amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  requir amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, ed  to)  accept  late  payments,  partial  payments, returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any
                                                                        Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and
 ATM owner. ATM owner. ATM owner. ATM owner. ATM owner. ATM owner. ATM owner. payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles. 
  transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be
  We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are o therwise improper without losing any of our rights under this Agreement,
 Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you
 services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional including our right to require payment of the entire balance. including our right to require payment of the entire balance. including our right to require payment of the entire balance. incl including our right to require payment of the entire balance. including our right to require payment of the entire balance. including our right to require payment of the entire balance. uding our right to require payment of the entire balance.
                                                                        shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service,
 other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  notice  notice  notice  notice  notice  notice  notice  we  we  we  we  we  we  we  may  may  may  may  may  may  may  limit  limit  limit  limit  limit  limit  limit  the  the  the  the  the  the  the  number  number  number  number  number  number  number  or  or  or  or  or  or  or  dollar  dollar  dollar  dollar  dollar  dollar  dollar  amount  amount  amount  amount  amount  amount  amount  of  of  of  of  of  of  of  account  account  account  account  account  account  account  transactions,  transactions,  transactions,  transactions,  transactions,  transactions,  transactions,  and/or and/or and/or and/or and/or and/or and/or Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request
 Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. to take effect. to take effect. to take effect. to take effect. to take effect. to take effect. to take effect.
                                                                        Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not
                                     applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay
 to transfer all to transfer all to transfer all to transfer all to transfer all to transfer all to transfer all  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your
                                     holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement.
 considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors.
 used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect � � � � � � � Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card
 this Agreement. this Agreement. this Agreement. this Agreement. this Agreement. this Agreement. this Agreement. each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the
 Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other � � � � � � � Payments delivered in person to and processed by an employee at a Fir Payments delivered in person to and processed by an employee at a Fir Payments delivered in person to and processed by an employee at a First Tennessee Payments delivered in person to and processed by an employee at a First Tennessee Payments delivered in person to and processed by an employee at a First Tennessee Payments delivered in person to and processed by an employee at a Fir Payments delivered in person to and processed by an employee at a First Tennessee st Tennessee st Tennessee st Tennessee interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a
 containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location tha financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by t accepts such payments, by account. account. account. account. account. account. account.
                                                                        Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should r credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain etain
 folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in  this Agreement, we may consider the statement correct for all  this Agreement, we may consider the statement correct for all close of business at that location close of business at that location close of business at that location close of business at that location close of business at that location close of business at that location close of business at that location Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another your copy of the credit sl your copy of the credit slip prepared by the merchant. If the merchant discloses a policy your copy of the credit slip prepared by the merchant. If the merchant discl your copy of the credit slip prepared by the merchant. If the merchant discloses a policy your copy of the credit slip prepared by the merchant. If the merchant d your copy of the credit sl your copy of the credit slip prepared by the merchant. If the merchant discloses a policy ip prepared by the merchant. If the merchant discloses a policy ip prepared by the merchant. If the merchant discloses a policy iscloses a policy oses a policy
 Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. purposes.  purposes.  purposes.  purposes.  purposes.  purposes.  purposes.  � � � � � � � Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you  limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or make travel or lodging or
 1 1 1 1 1 1 1   2 2 2 2 2 2                        3 3 3 3 3 3                        4 4 4 4 4 4                       5 5 5 5 5 5                        6 6 6 6 6 6 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221
 Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Proper payments received on a day that First Tennessee does not process payments or later Proper payments received on a day that First Tennessee does not process payments or later Proper payments received on a day that First Tennessee does not process payments or later Proper payments received on a day that First Tennessee does not process payments  Proper payments received on a day that First Tennessee does not process payme Proper payments received on a day that First Tennessee does not process payments or later Prope r payments received on a day that First Tennessee does not process payments or later nts or later or later interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of
 including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card.
 notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and Disclosure Table) will Disclosure Table) will Disclosure Table) will Disclosure Table) will Disclosure Table) will apply and may vary each month as described in the Standard Disclosure Table) will Disclosure Table) will apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the
 all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our
 limited  limited  limited  limited  limited  limited  limited  to,  to,  to,  to,  to,  to,  to,  any  any  any  any  any  any  any  application,  application,  application,  application,  application,  application,  application,  convenience  convenience  convenience  convenience  convenience  convenience  convenience  check  check  check  check  check  check  check  or  or  or  or  or  or  or  sa sa sa sa sa sa sa les  les  les  les  les  les  les  slip)  slip)  slip)  slip)  slip)  slip)  slip)  or  or  or  or  or  or  or  other  other  other  other  other  other  other  evidence  evidence  evidence  evidence  evidence  evidence  evidence  of of of of of of of cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average
 Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� which  which  which  which  which  which  which  minimum  minimum  minimum  minimum  minimum  minimum  minimum  payments  payments  payments  payments  payments  payments  payments  will  will  will  will  will  will  will  be  be  be  be  be  be  be  applied  applied  applied  applied  applied  applied  applied  to  to  to  to  to  to  to  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Balance  Balance  Balance  Balance  Balance  Balance  Balance  Transfers,  Transfers,  Transfers,  Transfers,  Transfers,  Transfers,  Transfers,  Cash Cash Cash Cash Cash Cash Cash a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing
 indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount
 provision  provision  provision  provision  provision  provision  provision  or  or  or  or  or  or  or  upon  upon  upon  upon  upon  upon  upon  amendment  amendment  amendment  amendment  amendment  amendment  amendment  of  of  of  of  of  of  of  this  this  this  this  this  this  this  Agreement,  Agreement,  Agreement,  Agreement,  Agreement,  Agreement,  Agreement,  the  the  the  the  the  the  the  monthly  monthly  monthly  monthly  monthly  monthly  monthly  periodic  periodic  periodic  periodic  periodic  periodic  periodic  rates  rates  rates  rates  rates  rates  rates  and and and and and and and Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent
 account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases.
 corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send
 severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by
 variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one
 the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National this Agreement.  this Agreement.  this Agreement.  this Agreement.  this Agreement.  this Agreement.  this Agreement.  previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract
 in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you
 Association (which also i Association (which also i Association (which also i Association (which also i Association (which also i Association (which also i Association (which also i s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents Finance Charges: Finance Charges: Finance Charges: Finance Charges: Finance Charges: Finance Charges: Finance Charges: any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b)
 (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following
 and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any
 percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of
 issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write
 we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher
 agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545.
 last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last
 within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance
 your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the statement. statement. statement. statement. statement. statement. statement. Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum
 account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that
 calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this
 to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle Agreement).  Agreement).  Agreement).  Agreement).  Agreement).  Agreement).  Agreement).  applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on
 the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates w the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates w ill increase your ill increase your Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death,
  will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will  appear on your billing statement in the Summary of Account Activity section.
 Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers.
 interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of
 amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but each  Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under
 Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each
 the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing month you must pay at least the Minimum Payment Due shown on the billing statement.  If  each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any applicable law. applicable law. applicable law. applicable law. applicable law. applicable law. applicable law.
 of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such as of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such as as as as as as
 unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New your New Balance is $25.00 or less, the Minimum Payment Due will be the New Balance in  statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine
                                                                                                           Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any
 balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the
 change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest full.  Otherwise, the Minimum Payment Due will be the total of (1) the greatest of (a) 2.5%  Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments
                                                                                                           time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any
 associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of your New Balance, (b) 1% of your New Balance, plus interest charges assessed in the  of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges section of your statement. section of your statement. section of your statement. section of your statement. section of your statement. section of your statement. section of your statement. and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c)
                                                                                                           time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination
 parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margin to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margin s, corresponding APRs and monthly periodic rates for s, corresponding APRs and monthly periodic rates for assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net current billing cycle, (c) any over limit amount in the current cycle, or (d) $25.00; plus (2)  assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number
                                                                                                           or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or
 will receive adva will receive adva will receive adva will receive adva will receive adva will receive adva will receive adva nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed net fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed  fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We
                                                                                                           destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and
 applicable law.  applicable law.  applicable law.  applicable law.  applicable law.  applicable law.  applicable law.  containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Disclosure Table on the back of containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Disclosure Table on the back of osure Table on the back of osure Table on the back of osure Table on the back of osure Table on the back of osure Table on the back of in the current billing cyc in the current billing cyc in the current billing cycle; plus (3) all amounts past due and/or over limit, as applicable. in the current billing cycle; plus (3) all amounts past due. in the current billing cyc in the current billing cycle; plus (3) all amounts past due and/or over limit, as applicable. in the current billing cyc in the current billing cycle; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash
                                                                                                           all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed
 the folder.  the folder.  the folder.  the folder.  the folder.  the folder.  the folder.  Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances.
 Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used between us. between us. between us. between us. between us. between us. between us.
 Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds  on deposit in a federally- the  the  the  the  the  the  the  transaction  transaction  transaction  transaction  transaction  transaction  transaction  currency  currency  currency  currency  currency  currency  currency  and  and  and  and  and  and  and  the  the  the  the  the  the  the  billing  billing  billing  billing  billing  billing  billing  currency  currency  currency  currency  currency  currency  currency  used  used  used  used  used  used  used  for  for  for  for  for  for  for  processing  processing  processing  processing  processing  processing  processing  international international international international international international international
 to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges:
                                                                                                           Credit Information. Credit Information. Credit Information. Credit Information. Credit Information. Credit Information. Credit Information. You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative
 to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other ch all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other ch arges, fees arges, fees insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, we  insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, we may, at our option, accept checks or  we may, at our option, accept checks or may, at our option, accept checks or transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash
                                                                                                           inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the
                                     in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may
 account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if money orders drawn on non-U.S. banks and impose service and collection charges o money orders drawn on non-U.S. banks and impose service and collection charges o money orders drawn on non-U.S. banks and impose service and collection charges on money orders drawn on non-U.S. banks and impose service and collection charges on money orders drawn on non-U.S. banks and impose service and collection charges on money orders drawn on non-U.S. banks and impose service and collection charges o money orders drawn on non-U.S. banks and impose service and collection charges on n n n Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount
                                                                                                           Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to
                                     vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in
 Advances.  Advances.  Advances.  Advances.  Advances.  Advances.  Advances.  applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are made by applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are made by ade by ade by ade by ade by ade by your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal c your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard heck to the BankCard allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the
                                     effect for the applicable central processing date. You agree to accept the converted amount. provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about
                                     effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about
 you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance
 Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and
 transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on w hich the check was written. Your payment will appear as an Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section.
                                     a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law
 (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or Credit Limit. Credit Limit. Credit Limit. Credit Limit. Credit Limit. Credit Limit. Credit Limit. Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder co Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder co ntaining your card. We may ntaining your card. We may electronic debit on the statement for the account from which you made payment and will electronic debit on the statement for the account from which you made payment and will electronic debit on the statement for the account from which you made payment and will electronic debit o electronic deb electronic debit on the statement for the account from which you made payment and will electronic debit on the statement for the account from which you made payment and will it on the statement for the account from which you made payment and will n the statement for the account from which you made payment and will Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored,
                                     Transactions  Transactions  Transactions  Transactions  Transactions  Transactions  Transactions  section  section  section  section  section  section  section  on  on  on  on  on  on  on  your  your  your  your  your  your  your  billing  billing  billing  billing  billing  billing  billing  statement.  statement.  statement.  statement.  statement.  statement.  statement.  The  The  The  The  The  The  The  total  total  total  total  total  total  total  amount  amount  amount  amount  amount  amount  amount  of  of  of  of  of  of  of  any  any  any  any  any  any  any  Currency Currency Currency Currency Currency Currency Currency and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein.
 MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect include the name of the payee �BankCard Center�, include the name of the payee �BankCard Center�, include the name of the payee �BankCard Center�, the check number and the payment include the name of the payee �BankCard Center�, the check number and the payment include the name of the payee �BankCard Center�, the check number and the payment include the name of the payee �BankCard Center�, include the name of the payee �BankCard Center�, the check number and the payment  the check number and the payment  the check number and the payment  the check number and the payment cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a
                                     Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we
 amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree not to conduct any your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree not to conduct any  not to conduct any  not to conduct any  not to conduct any  not to conduct any  not to conduct any amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  requir amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, ed  to)  accept  late  payments,  partial  payments, returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any
                                     Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and
 ATM owner. ATM owner. ATM owner. ATM owner. ATM owner. ATM owner. ATM owner. payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles. 
 transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be
 We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are o therwise improper without losing any of our rights under this Agreement,
 Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you
 services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional including our right to require payment of the entire balance. including our right to require payment of the entire balance. including our right to require payment of the entire balance. incl including our right to require payment of the entire balance. including our right to require payment of the entire balance. including our right to require payment of the entire balance. uding our right to require payment of the entire balance.
                                     shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service,
 other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  notice  notice  notice  notice  notice  notice  notice  we  we  we  we  we  we  we  may  may  may  may  may  may  may  limit  limit  limit  limit  limit  limit  limit  the  the  the  the  the  the  the  number  number  number  number  number  number  number  or  or  or  or  or  or  or  dollar  dollar  dollar  dollar  dollar  dollar  dollar  amount  amount  amount  amount  amount  amount  amount  of  of  of  of  of  of  of  account  account  account  account  account  account  account  transactions,  transactions,  transactions,  transactions,  transactions,  transactions,  transactions,  and/or and/or and/or and/or and/or and/or and/or Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request
 Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. to take effect. to take effect. to take effect. to take effect. to take effect. to take effect. to take effect.
                                     Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not
  applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay
 to transfer all to transfer all to transfer all to transfer all to transfer all to transfer all to transfer all  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your
  holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement.
 considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors.
 used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect � � � � � � � Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card
 this Agreement. this Agreement. this Agreement. this Agreement. this Agreement. this Agreement. this Agreement. each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the
 Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other � � � � � � � Payments delivered in person to and processed by an employee at a Fir Payments delivered in person to and processed by an employee at a Fir Payments delivered in person to and processed by an employee at a First Tennessee Payments delivered in person to and processed by an employee at a First Tennessee Payments delivered in person to and processed by an employee at a First Tennessee Payments delivered in person to and processed by an employee at a Fir Payments delivered in person to and processed by an employee at a First Tennessee st Tennessee st Tennessee st Tennessee interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a
 containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location tha financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by t accepts such payments, by account. account. account. account. account. account. account.
                                     Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should r credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain etain
 folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in  this Agreement, we may consider the statement correct for all  this Agreement, we may consider the statement correct for all close of business at that location close of business at that location close of business at that location close of business at that location close of business at that location close of business at that location close of business at that location Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another your copy of the credit sl your copy of the credit slip prepared by the merchant. If the merchant discloses a policy your copy of the credit slip prepared by the merchant. If the merchant discl your copy of the credit slip prepared by the merchant. If the merchant discloses a policy your copy of the credit slip prepared by the merchant. If the merchant d your copy of the credit sl your copy of the credit slip prepared by the merchant. If the merchant discloses a policy ip prepared by the merchant. If the merchant discloses a policy ip prepared by the merchant. If the merchant discloses a policy iscloses a policy oses a policy
 Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. purposes.  purposes.  purposes.  purposes.  purposes.  purposes.  purposes.  � � � � � � � Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you  limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or make travel or lodging or
 1 1 1 1 1 1 1 2 2 2 2 2 2 3 3 3 3 3 3              4 4 4 4 4 4                       5 5 5 5 5 5                        6 6 6 6 6 6 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221
 Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Proper payments received on a day that First Tennessee does not process payments or later Proper payments received on a day that First Tennessee does not process payments or later Proper payments received on a day that First Tennessee does not process payments or later Proper payments received on a day that First Tennessee does not process payments  Proper payments received on a day that First Tennessee does not process payme Proper payments received on a day that First Tennessee does not process payments or later Prope r payments received on a day that First Tennessee does not process payments or later nts or later or later interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of
 including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card.
 notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and Disclosure Table) will Disclosure Table) will Disclosure Table) will Disclosure Table) will Disclosure Table) will apply and may vary each month as described in the Standard Disclosure Table) will Disclosure Table) will apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the
 all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our
 limited  limited  limited  limited  limited  limited  limited  to,  to,  to,  to,  to,  to,  to,  any  any  any  any  any  any  any  application,  application,  application,  application,  application,  application,  application,  convenience  convenience  convenience  convenience  convenience  convenience  convenience  check  check  check  check  check  check  check  or  or  or  or  or  or  or  sa sa sa sa sa sa sa les  les  les  les  les  les  les  slip)  slip)  slip)  slip)  slip)  slip)  slip)  or  or  or  or  or  or  or  other  other  other  other  other  other  other  evidence  evidence  evidence  evidence  evidence  evidence  evidence  of of of of of of of cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average
 Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� which  which  which  which  which  which  which  minimum  minimum  minimum  minimum  minimum  minimum  minimum  payments  payments  payments  payments  payments  payments  payments  will  will  will  will  will  will  will  be  be  be  be  be  be  be  applied  applied  applied  applied  applied  applied  applied  to  to  to  to  to  to  to  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Balance  Balance  Balance  Balance  Balance  Balance  Balance  Transfers,  Transfers,  Transfers,  Transfers,  Transfers,  Transfers,  Transfers,  Cash Cash Cash Cash Cash Cash Cash a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing
 indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount
 provision  provision  provision  provision  provision  provision  provision  or  or  or  or  or  or  or  upon  upon  upon  upon  upon  upon  upon  amendment  amendment  amendment  amendment  amendment  amendment  amendment  of  of  of  of  of  of  of  this  this  this  this  this  this  this  Agreement,  Agreement,  Agreement,  Agreement,  Agreement,  Agreement,  Agreement,  the  the  the  the  the  the  the  monthly  monthly  monthly  monthly  monthly  monthly  monthly  periodic  periodic  periodic  periodic  periodic  periodic  periodic  rates  rates  rates  rates  rates  rates  rates  and and and and and and and Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent
 account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases.
 corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send
 severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by
 variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one
 the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National this Agreement.  this Agreement.  this Agreement.  this Agreement.  this Agreement.  this Agreement.  this Agreement.  previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract
 in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you
 Association (which also i Association (which also i Association (which also i Association (which also i Association (which also i Association (which also i Association (which also i s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents Finance Charges: Finance Charges: Finance Charges: Finance Charges: Finance Charges: Finance Charges: Finance Charges: any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b)
 (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following
 and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any
 percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of
 issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write
 we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher
 agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545.
 last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last
 within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance
 your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the statement. statement. statement. statement. statement. statement. statement. Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum
 account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that
 calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this
 to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle Agreement).  Agreement).  Agreement).  Agreement).  Agreement).  Agreement).  Agreement).  applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on
 the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates w the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates w ill increase your ill increase your Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death,
 will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will  appear on your billing statement in the Summary of Account Activity section.
 Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers.
 interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of
 amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but each  Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under
 Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each
 the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing month you must pay at least the Minimum Payment Due shown on the billing statement.  If  each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any applicable law. applicable law. applicable law. applicable law. applicable law. applicable law. applicable law.
 of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such as of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such as as as as as as
 unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New your New Balance is $25.00 or less, the Minimum Payment Due will be the New Balance in  statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine
                                                                        Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any
 balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the
 change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest full.  Otherwise, the Minimum Payment Due will be the total of (1) the greatest of (a) 2.5%  Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments
                                                                        time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any
 associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of your New Balance, (b) 1% of your New Balance, plus interest charges assessed in the  of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges section of your statement. section of your statement. section of your statement. section of your statement. section of your statement. section of your statement. section of your statement. and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c)
                                                                        time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination
 parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margin to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margin s, corresponding APRs and monthly periodic rates for s, corresponding APRs and monthly periodic rates for assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net current billing cycle, (c) any over limit amount in the current cycle, or (d) $25.00; plus (2)  assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number
                                                                        or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or
 will receive adva will receive adva will receive adva will receive adva will receive adva will receive adva will receive adva nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed net fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed  fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We
                                                                        destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and
 applicable law.  applicable law.  applicable law.  applicable law.  applicable law.  applicable law.  applicable law.  containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Disclosure Table on the back of containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Disclosure Table on the back of osure Table on the back of osure Table on the back of osure Table on the back of osure Table on the back of osure Table on the back of in the current billing cyc in the current billing cyc in the current billing cycle; plus (3) all amounts past due and/or over limit, as applicable. in the current billing cycle; plus (3) all amounts past due. in the current billing cyc in the current billing cycle; plus (3) all amounts past due and/or over limit, as applicable. in the current billing cyc in the current billing cycle; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash
                                                                        all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed
 the folder.  the folder.  the folder.  the folder.  the folder.  the folder.  the folder.  Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances.
 Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used between us. between us. between us. between us. between us. between us. between us.
 Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds  on deposit in a federally- the  the  the  the  the  the  the  transaction  transaction  transaction  transaction  transaction  transaction  transaction  currency  currency  currency  currency  currency  currency  currency  and  and  and  and  and  and  and  the  the  the  the  the  the  the  billing  billing  billing  billing  billing  billing  billing  currency  currency  currency  currency  currency  currency  currency  used  used  used  used  used  used  used  for  for  for  for  for  for  for  processing  processing  processing  processing  processing  processing  processing  international international international international international international international
 to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges:
                                                                        Credit Information. Credit Information. Credit Information. Credit Information. Credit Information. Credit Information. Credit Information. You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative
 to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other ch all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other ch arges, fees arges, fees insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, we  insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, we may, at our option, accept checks or  we may, at our option, accept checks or may, at our option, accept checks or transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash
                                                                        inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the
   in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may
 account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if money orders drawn on non-U.S. banks and impose service and collection charges o money orders drawn on non-U.S. banks and impose service and collection charges o money orders drawn on non-U.S. banks and impose service and collection charges on money orders drawn on non-U.S. banks and impose service and collection charges on money orders drawn on non-U.S. banks and impose service and collection charges on money orders drawn on non-U.S. banks and impose service and collection charges o money orders drawn on non-U.S. banks and impose service and collection charges on n n n Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount
                                                                        Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to
   vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in
 Advances.  Advances.  Advances.  Advances.  Advances.  Advances.  Advances.  applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are made by applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are made by ade by ade by ade by ade by ade by your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal c your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard heck to the BankCard allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the
   effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about
   effect for the applicable central processing date. You agree to accept the converted amount.
 you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance
 Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and
 transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on w hich the check was written. Your payment will appear as an Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section.
   a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law
 (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or Credit Limit. Credit Limit. Credit Limit. Credit Limit. Credit Limit. Credit Limit. Credit Limit. Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder co Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder co ntaining your card. We may ntaining your card. We may electronic debit on the statement for the account from which you made payment and will electronic debit on the statement for the account from which you made payment and will electronic debit on the statement for the account from which you made payment and will electronic debit o electronic deb electronic debit on the statement for the account from which you made payment and will electronic debit on the statement for the account from which you made payment and will it on the statement for the account from which you made payment and will n the statement for the account from which you made payment and will Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored,
   Transactions  Transactions  Transactions  Transactions  Transactions  Transactions  Transactions  section  section  section  section  section  section  section  on  on  on  on  on  on  on  your  your  your  your  your  your  your  billing  billing  billing  billing  billing  billing  billing  statement.  statement.  statement.  statement.  statement.  statement.  statement.  The  The  The  The  The  The  The  total  total  total  total  total  total  total  amount  amount  amount  amount  amount  amount  amount  of  of  of  of  of  of  of  any  any  any  any  any  any  any  Currency Currency Currency Currency Currency Currency Currency and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein.
 MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect include the name of the payee �BankCard Center�, include the name of the payee �BankCard Center�, include the name of the payee �BankCard Center�, the check number and the payment include the name of the payee �BankCard Center�, the check number and the payment include the name of the payee �BankCard Center�, the check number and the payment include the name of the payee �BankCard Center�, include the name of the payee �BankCard Center�, the check number and the payment  the check number and the payment  the check number and the payment  the check number and the payment cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a
   Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we
 amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree not to conduct any your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree not to conduct any  not to conduct any  not to conduct any  not to conduct any  not to conduct any  not to conduct any amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  requir amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, ed  to)  accept  late  payments,  partial  payments, returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any
   Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and
 ATM owner. ATM owner. ATM owner. ATM owner. ATM owner. ATM owner. ATM owner. payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles. 
 transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be
 We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are o therwise improper without losing any of our rights under this Agreement,
 Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you
 services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional including our right to require payment of the entire balance. including our right to require payment of the entire balance. including our right to require payment of the entire balance. incl including our right to require payment of the entire balance. including our right to require payment of the entire balance. including our right to require payment of the entire balance. uding our right to require payment of the entire balance.
   shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service,
 other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  notice  notice  notice  notice  notice  notice  notice  we  we  we  we  we  we  we  may  may  may  may  may  may  may  limit  limit  limit  limit  limit  limit  limit  the  the  the  the  the  the  the  number  number  number  number  number  number  number  or  or  or  or  or  or  or  dollar  dollar  dollar  dollar  dollar  dollar  dollar  amount  amount  amount  amount  amount  amount  amount  of  of  of  of  of  of  of  account  account  account  account  account  account  account  transactions,  transactions,  transactions,  transactions,  transactions,  transactions,  transactions,  and/or and/or and/or and/or and/or and/or and/or Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request
 Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. to take effect. to take effect. to take effect. to take effect. to take effect. to take effect. to take effect.
   Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not
 applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay
 to transfer all to transfer all to transfer all to transfer all to transfer all to transfer all to transfer all  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your
 holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement.
 considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors.
 used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect � � � � � � � Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card
 this Agreement. this Agreement. this Agreement. this Agreement. this Agreement. this Agreement. this Agreement. each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the
 Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other � � � � � � � Payments delivered in person to and processed by an employee at a Fir Payments delivered in person to and processed by an employee at a Fir Payments delivered in person to and processed by an employee at a First Tennessee Payments delivered in person to and processed by an employee at a First Tennessee Payments delivered in person to and processed by an employee at a First Tennessee Payments delivered in person to and processed by an employee at a Fir Payments delivered in person to and processed by an employee at a First Tennessee st Tennessee st Tennessee st Tennessee interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a
 containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location tha financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by t accepts such payments, by account. account. account. account. account. account. account.
   Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should r credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain etain
 folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in  this Agreement, we may consider the statement correct for all  this Agreement, we may consider the statement correct for all close of business at that location close of business at that location close of business at that location close of business at that location close of business at that location close of business at that location close of business at that location Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another your copy of the credit sl your copy of the credit slip prepared by the merchant. If the merchant discloses a policy your copy of the credit slip prepared by the merchant. If the merchant discl your copy of the credit slip prepared by the merchant. If the merchant discloses a policy your copy of the credit slip prepared by the merchant. If the merchant d your copy of the credit sl your copy of the credit slip prepared by the merchant. If the merchant discloses a policy ip prepared by the merchant. If the merchant discloses a policy ip prepared by the merchant. If the merchant discloses a policy iscloses a policy oses a policy
 Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. purposes.  purposes.  purposes.  purposes.  purposes.  purposes.  purposes.  � � � � � � � Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you  limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or make travel or lodging or
 1 1 1 1 1 1 1 2 2 2 2 2 2 3 3 3 3 3 3 4 4 4 4 4 4  5 5 5 5 5 5                       6 6 6 6 6 6 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221
 Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Proper payments received on a day that First Tennessee does not process payments or later Proper payments received on a day that First Tennessee does not process payments or later Proper payments received on a day that First Tennessee does not process payments or later Proper payments received on a day that First Tennessee does not process payments  Proper payments received on a day that First Tennessee does not process payme Proper payments received on a day that First Tennessee does not process payments or later Prope r payments received on a day that First Tennessee does not process payments or later nts or later or later interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of
 including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card.
 notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and Disclosure Table) will Disclosure Table) will Disclosure Table) will Disclosure Table) will Disclosure Table) will apply and may vary each month as described in the Standard Disclosure Table) will Disclosure Table) will apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the
 all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our
 limited  limited  limited  limited  limited  limited  limited  to,  to,  to,  to,  to,  to,  to,  any  any  any  any  any  any  any  application,  application,  application,  application,  application,  application,  application,  convenience  convenience  convenience  convenience  convenience  convenience  convenience  check  check  check  check  check  check  check  or  or  or  or  or  or  or  sa sa sa sa sa sa sa les  les  les  les  les  les  les  slip)  slip)  slip)  slip)  slip)  slip)  slip)  or  or  or  or  or  or  or  other  other  other  other  other  other  other  evidence  evidence  evidence  evidence  evidence  evidence  evidence  of of of of of of of cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average
 Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� which  which  which  which  which  which  which  minimum  minimum  minimum  minimum  minimum  minimum  minimum  payments  payments  payments  payments  payments  payments  payments  will  will  will  will  will  will  will  be  be  be  be  be  be  be  applied  applied  applied  applied  applied  applied  applied  to  to  to  to  to  to  to  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Balance  Balance  Balance  Balance  Balance  Balance  Balance  Transfers,  Transfers,  Transfers,  Transfers,  Transfers,  Transfers,  Transfers,  Cash Cash Cash Cash Cash Cash Cash a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing
 indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount
 provision  provision  provision  provision  provision  provision  provision  or  or  or  or  or  or  or  upon  upon  upon  upon  upon  upon  upon  amendment  amendment  amendment  amendment  amendment  amendment  amendment  of  of  of  of  of  of  of  this  this  this  this  this  this  this  Agreement,  Agreement,  Agreement,  Agreement,  Agreement,  Agreement,  Agreement,  the  the  the  the  the  the  the  monthly  monthly  monthly  monthly  monthly  monthly  monthly  periodic  periodic  periodic  periodic  periodic  periodic  periodic  rates  rates  rates  rates  rates  rates  rates  and and and and and and and Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent
 account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases.
 corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send
 severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by
 variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one
 the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National this Agreement.  this Agreement.  this Agreement.  this Agreement.  this Agreement.  this Agreement.  this Agreement.  previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract
 in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you
 Association (which also i Association (which also i Association (which also i Association (which also i Association (which also i Association (which also i Association (which also i s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents Finance Charges: Finance Charges: Finance Charges: Finance Charges: Finance Charges: Finance Charges: Finance Charges: any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b)
 (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following
 and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any
 percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of
 issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write
 we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher
 agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545.
 last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last
 within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance
 your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the statement. statement. statement. statement. statement. statement. statement. Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum
 account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that
 calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this
 to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle Agreement).  Agreement).  Agreement).  Agreement).  Agreement).  Agreement).  Agreement).  applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on
 the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates w the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates w ill increase your ill increase your Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death,
 will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will  appear on your billing statement in the Summary of Account Activity section.
 Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers.
 interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of
 amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but each  Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under
 Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each
 the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing month you must pay at least the Minimum Payment Due shown on the billing statement.  If  each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any applicable law. applicable law. applicable law. applicable law. applicable law. applicable law. applicable law.
 of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such as of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such as as as as as as
 unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New your New Balance is $25.00 or less, the Minimum Payment Due will be the New Balance in  statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine
                                      Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any
 balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the
 change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest full.  Otherwise, the Minimum Payment Due will be the total of (1) the greatest of (a) 2.5%  Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments
                                      time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any
 associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of your New Balance, (b) 1% of your New Balance, plus interest charges assessed in the  of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges section of your statement. section of your statement. section of your statement. section of your statement. section of your statement. section of your statement. section of your statement. and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c)
                                      time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination
 parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margin to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margin s, corresponding APRs and monthly periodic rates for s, corresponding APRs and monthly periodic rates for assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net current billing cycle, (c) any over limit amount in the current cycle, or (d) $25.00; plus (2)  assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number
                                      or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or
 will receive adva will receive adva will receive adva will receive adva will receive adva will receive adva will receive adva nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed net fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed  fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We
                                      destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and
 applicable law.  applicable law.  applicable law.  applicable law.  applicable law.  applicable law.  applicable law.  containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Disclosure Table on the back of containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Disclosure Table on the back of osure Table on the back of osure Table on the back of osure Table on the back of osure Table on the back of osure Table on the back of in the current billing cyc in the current billing cyc in the current billing cycle; plus (3) all amounts past due and/or over limit, as applicable. in the current billing cycle; plus (3) all amounts past due. in the current billing cyc in the current billing cycle; plus (3) all amounts past due and/or over limit, as applicable. in the current billing cyc in the current billing cycle; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash
                                      all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed
 the folder.  the folder.  the folder.  the folder.  the folder.  the folder.  the folder.  Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances.
 Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used between us. between us. between us. between us. between us. between us. between us.
 Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds  on deposit in a federally- the  the  the  the  the  the  the  transaction  transaction  transaction  transaction  transaction  transaction  transaction  currency  currency  currency  currency  currency  currency  currency  and  and  and  and  and  and  and  the  the  the  the  the  the  the  billing  billing  billing  billing  billing  billing  billing  currency  currency  currency  currency  currency  currency  currency  used  used  used  used  used  used  used  for  for  for  for  for  for  for  processing  processing  processing  processing  processing  processing  processing  international international international international international international international
 to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges:
                                      Credit Information. Credit Information. Credit Information. Credit Information. Credit Information. Credit Information. Credit Information. You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative
 to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other ch all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other ch arges, fees arges, fees insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, we  insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, we may, at our option, accept checks or  we may, at our option, accept checks or may, at our option, accept checks or transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash
                                      inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the
 in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may
 account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if money orders drawn on non-U.S. banks and impose service and collection charges o money orders drawn on non-U.S. banks and impose service and collection charges o money orders drawn on non-U.S. banks and impose service and collection charges on money orders drawn on non-U.S. banks and impose service and collection charges on money orders drawn on non-U.S. banks and impose service and collection charges on money orders drawn on non-U.S. banks and impose service and collection charges o money orders drawn on non-U.S. banks and impose service and collection charges on n n n Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount
                                      Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to
 vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in
 Advances.  Advances.  Advances.  Advances.  Advances.  Advances.  Advances.  applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are made by applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are made by ade by ade by ade by ade by ade by your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal c your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard heck to the BankCard allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the
 effect for the applicable central processing date. You agree to accept the converted amount. provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about
 effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about
 you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance
 Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and
 transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on w hich the check was written. Your payment will appear as an Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section.
 a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law
 (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or Credit Limit. Credit Limit. Credit Limit. Credit Limit. Credit Limit. Credit Limit. Credit Limit. Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder co Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder co ntaining your card. We may ntaining your card. We may electronic debit on the statement for the account from which you made payment and will electronic debit on the statement for the account from which you made payment and will electronic debit on the statement for the account from which you made payment and will electronic debit o electronic deb electronic debit on the statement for the account from which you made payment and will electronic debit on the statement for the account from which you made payment and will it on the statement for the account from which you made payment and will n the statement for the account from which you made payment and will Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored,
 Transactions  Transactions  Transactions  Transactions  Transactions  Transactions  Transactions  section  section  section  section  section  section  section  on  on  on  on  on  on  on  your  your  your  your  your  your  your  billing  billing  billing  billing  billing  billing  billing  statement.  statement.  statement.  statement.  statement.  statement.  statement.  The  The  The  The  The  The  The  total  total  total  total  total  total  total  amount  amount  amount  amount  amount  amount  amount  of  of  of  of  of  of  of  any  any  any  any  any  any  any  Currency Currency Currency Currency Currency Currency Currency and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein.
 MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect include the name of the payee �BankCard Center�, include the name of the payee �BankCard Center�, include the name of the payee �BankCard Center�, the check number and the payment include the name of the payee �BankCard Center�, the check number and the payment include the name of the payee �BankCard Center�, the check number and the payment include the name of the payee �BankCard Center�, include the name of the payee �BankCard Center�, the check number and the payment  the check number and the payment  the check number and the payment  the check number and the payment cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a
 Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we
 amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree not to conduct any your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree not to conduct any  not to conduct any  not to conduct any  not to conduct any  not to conduct any  not to conduct any amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  requir amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, ed  to)  accept  late  payments,  partial  payments, returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any
 Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and
 ATM owner. ATM owner. ATM owner. ATM owner. ATM owner. ATM owner. ATM owner. payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles. 
 transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be
 We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are o therwise improper without losing any of our rights under this Agreement,
 Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you
 services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional including our right to require payment of the entire balance. including our right to require payment of the entire balance. including our right to require payment of the entire balance. incl including our right to require payment of the entire balance. including our right to require payment of the entire balance. including our right to require payment of the entire balance. uding our right to require payment of the entire balance.
 shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service,
 other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  notice  notice  notice  notice  notice  notice  notice  we  we  we  we  we  we  we  may  may  may  may  may  may  may  limit  limit  limit  limit  limit  limit  limit  the  the  the  the  the  the  the  number  number  number  number  number  number  number  or  or  or  or  or  or  or  dollar  dollar  dollar  dollar  dollar  dollar  dollar  amount  amount  amount  amount  amount  amount  amount  of  of  of  of  of  of  of  account  account  account  account  account  account  account  transactions,  transactions,  transactions,  transactions,  transactions,  transactions,  transactions,  and/or and/or and/or and/or and/or and/or and/or Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request
 Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. to take effect. to take effect. to take effect. to take effect. to take effect. to take effect. to take effect.
 Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not
 applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay
 to transfer all to transfer all to transfer all to transfer all to transfer all to transfer all to transfer all  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your
 holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement.
 considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors.
 used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect � � � � � � � Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card
 this Agreement. this Agreement. this Agreement. this Agreement. this Agreement. this Agreement. this Agreement. each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the
 Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other � � � � � � � Payments delivered in person to and processed by an employee at a Fir Payments delivered in person to and processed by an employee at a Fir Payments delivered in person to and processed by an employee at a First Tennessee Payments delivered in person to and processed by an employee at a First Tennessee Payments delivered in person to and processed by an employee at a First Tennessee Payments delivered in person to and processed by an employee at a Fir Payments delivered in person to and processed by an employee at a First Tennessee st Tennessee st Tennessee st Tennessee interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a
 containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location tha financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by t accepts such payments, by account. account. account. account. account. account. account.
 Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should r credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain etain
 folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in  this Agreement, we may consider the statement correct for all  this Agreement, we may consider the statement correct for all close of business at that location close of business at that location close of business at that location close of business at that location close of business at that location close of business at that location close of business at that location Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another your copy of the credit sl your copy of the credit slip prepared by the merchant. If the merchant discloses a policy your copy of the credit slip prepared by the merchant. If the merchant discl your copy of the credit slip prepared by the merchant. If the merchant discloses a policy your copy of the credit slip prepared by the merchant. If the merchant d your copy of the credit sl your copy of the credit slip prepared by the merchant. If the merchant discloses a policy ip prepared by the merchant. If the merchant discloses a policy ip prepared by the merchant. If the merchant discloses a policy iscloses a policy oses a policy
 Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. purposes.  purposes.  purposes.  purposes.  purposes.  purposes.  purposes.  � � � � � � � Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you  limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or make travel or lodging or
 1 1 1 1 1 1 1 2 2 2 2 2 2 3 3 3 3 3 3 4 4 4 4 4 4 5 5 5 5 5 5 6 6 6 6 6 6 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221
 Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card Agreement and Definitions. This Cardholder Agreement, the folder containing your card When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic When the Introductory Period expires, your Standard (Variable) Rates and monthly periodic Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Making Payments: Proper payments received on a day that First Tennessee does not process payments or later Proper payments received on a day that First Tennessee does not process payments or later Proper payments received on a day that First Tennessee does not process payments or later Proper payments received on a day that First Tennessee does not process payments  Proper payments received on a day that First Tennessee does not process payme Proper payments received on a day that First Tennessee does not process payments or later Prope r payments received on a day that First Tennessee does not process payments or later nts or later or later interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the interest charge and unpaid fees which were included in that balance; (b) determine the account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of account,  and  you  cannot  terminate  such  authority  (1)  until  we  receive  notice  of
 including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and including the Account Opening Disclosure Table on the back of the folder, changes and rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening rates (also shown on the enclosed folder containing your card and Account Opening Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing Effects of Making Minimum Payments. If you make only the minimum payment each billing than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may than the times shown above will be applied the next business day. Any other payment may Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits Purchase balance for each day of the billing cycle by subtracting any payments and credits revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card. revocation; and (2) until you recover possession of the card.
 notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and notices of changes we make to your account and/or this agreement as provided herein, and Disclosure Table) will Disclosure Table) will Disclosure Table) will Disclosure Table) will Disclosure Table) will apply and may vary each month as described in the Standard Disclosure Table) will Disclosure Table) will apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard  apply and may vary each month as described in the Standard cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. cycle, you will pay more in interest and it will take you longer to pay off your balance. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. not be applied until 5 days after receipt. applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the applied to the Purchase balance and by adding new Purchases; and (c) at the end of the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the Notices. If we have to notify you of anything concerning your credit card account, the
 all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not all documents bearing your hand-written, electronic or digital signature (such as, but not (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. (Variable) Rates provision below. Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Application of Payments. We will determine, at our discretion, the amount of and order in Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via Visa Money Transfer. You have the ability to receive a credit transfer to your credit card via billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing billing cycle, add these daily balances and divide the total by the number of days in the billing notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our notice will be effective if we send it to your name and address as they appear in our
 limited  limited  limited  limited  limited  limited  limited  to,  to,  to,  to,  to,  to,  to,  any  any  any  any  any  any  any  application,  application,  application,  application,  application,  application,  application,  convenience  convenience  convenience  convenience  convenience  convenience  convenience  check  check  check  check  check  check  check  or  or  or  or  or  or  or  sa sa sa sa sa sa sa les  les  les  les  les  les  les  slip)  slip)  slip)  slip)  slip)  slip)  slip)  or  or  or  or  or  or  or  other  other  other  other  other  other  other  evidence  evidence  evidence  evidence  evidence  evidence  evidence  of of of of of of of cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average cycle to determine the average daily balance for Purchases. We then multiply this average
 Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� Standard (Variable) Rates. Except as otherwise stated in this �Standard (Variable) Rates� which  which  which  which  which  which  which  minimum  minimum  minimum  minimum  minimum  minimum  minimum  payments  payments  payments  payments  payments  payments  payments  will  will  will  will  will  will  will  be  be  be  be  be  be  be  applied  applied  applied  applied  applied  applied  applied  to  to  to  to  to  to  to  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Purchases,  Balance  Balance  Balance  Balance  Balance  Balance  Balance  Transfers,  Transfers,  Transfers,  Transfers,  Transfers,  Transfers,  Transfers,  Cash Cash Cash Cash Cash Cash Cash a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds a Visa Money Transfer under which you or a third party may transfer funds to you. Funds records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing records or you receive such notice by any other means. You will notify us in writing
 indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card indebtedness on the credit card account constitute the contract governing your credit card daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount daily balance by the monthly periodic rate that applies to Purchases to determine the amount
 provision  provision  provision  provision  provision  provision  provision  or  or  or  or  or  or  or  upon  upon  upon  upon  upon  upon  upon  amendment  amendment  amendment  amendment  amendment  amendment  amendment  of  of  of  of  of  of  of  this  this  this  this  this  this  this  Agreement,  Agreement,  Agreement,  Agreement,  Agreement,  Agreement,  Agreement,  the  the  the  the  the  the  the  monthly  monthly  monthly  monthly  monthly  monthly  monthly  periodic  periodic  periodic  periodic  periodic  periodic  periodic  rates  rates  rates  rates  rates  rates  rates  and and and and and and and Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has Advances, Interest, Finance Charges and other fees and charges. If your account has will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper will appear on the statement as a �Visa Transfer�, but funds will be treated as a non-proper immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent immediately if you change your name, address, telephone number or other pertinent
 account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and account (the �Agreement�). The words �you� and �your� refer to each person jointly and of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases. of your periodic interest charge on Purchases.
 corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be corresponding APRs used to compute the periodic interest charges on your account will be balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject balances with different APRs, we will allocate your minimum payments to balances subject payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to payment  to  your  account  within  2  business  days  of  reciept.  We  have  the  right  to contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send contact information. If you write to us for any reason other than to make a payment, send
 severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for severally (if more than one) who has applied for or otherwise agreed to be responsible for refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by refuse/return a transfer restricted/prohibited by applicable federal, state or local law or by
 variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes variable rates which may increase or decrease for each new billing cycle based on changes to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the to lower APRs before balances subject to higher APRs. If you make more than the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the Balance Transfer Balance. To determine this average daily balance, we (a) start with the your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one your letter to: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. If you are one
 the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National the  account.  The  words  �we,�  �our,�  and  �us�  mean  First  Tennessee  Bank  National this Agreement.  this Agreement.  this Agreement.  this Agreement.  this Agreement.  this Agreement.  this Agreement.  previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract previous Balance Transfer balance at the beginning of each new billing cycle and subtract
 in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal in the U.S. Prime Rate published in the �Markets Lineup� section of The Wall Street Journal minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to minimum payment, we will allocate amounts in excess of the minimum payment to of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you of our Banking Online customers who receives notices or statements electronically, you
 Association (which also i Association (which also i Association (which also i Association (which also i Association (which also i Association (which also i Association (which also i s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents s branded as �First Horizon�), and its successors, assigns, agents Finance Charges: Finance Charges: Finance Charges: Finance Charges: Finance Charges: Finance Charges: Finance Charges: any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b) any unpaid interest charge and unpaid fees which were included in that balance; (b)
 (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth (�Prime�). Your corresponding APRs, divided by 12 and truncated to the one-thousandth balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as balances subject to higher APRs before balances subject to lower APRs, even if, as will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following will notify our Banking Online Department if you change your e-mail address by following
 and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card and/or authorized representatives. The word �card� means each MasterCard or Visa card determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any determine the Balance Transfer balance for each day of the billing cycle by subtracting any
 percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum percentage point will be your monthly periodic rates. Your rates will not exceed the maximum required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which required by applicable law, this allocation results in a loss of any Grace Period for which Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic Interest Charges. We will impose periodic interest charges based on the monthly periodic the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of the instructions in your Banking Online Agreement. Additionally, if you become aware of
 issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our issued on the account. The card is our property, and you agree to surrender it to us or our rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. rates that apply to Purchase, Balance Transfer and Cash Advance average daily balances. payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance payments and credits applied to the Balance Transfer balance and by adding new Balance an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write an error regarding how activity on this account appears on a credit report, please write
 we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  we are allowed to charge under applicable law. We will use the value of Prime published on the  you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher you may otherwise have been eligible. This payment allocation method applies to all higher
 agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account agent upon request. This Agreement is binding on you unless you cancel your account Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Periodic interest charges will begin to accrue on all average daily balances from the date Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total Transfers; and (c) at the end of the billing cycle, add these daily balances and divide the total us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. us at BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545.
 last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate last business day of each calendar month (the �Determination Date�) in order to calculate APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last APR balances, including transactions subject to higher APRs posted since your last
 within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your within 30 days after receiving the card and you have not used or authorized use of your that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer that transactions are posted to your account, except for Purchase and Balance Transfer by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance by the number of days in the billing cycle to determine the average daily balance for Balance
 your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the your APRs in effect from the first day through the last day of your billing cycle ending in the statement. statement. statement. statement. statement. statement. statement. Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum Default/Entire Balance Due. You will be in default if you fail to pay at least the minimum
 account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued account. This card is available only to individuals for consumer use and will not be issued transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this transactions that may be eligible for a grace period (see Paying Interest section of this Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that Transfers. We then multiply this average daily balance by the monthly periodic rate that
 calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on calendar month following the Determination Date. If more than one Prime rate is published on payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this payment shown on the billing statement, or fail to comply with any other term of this
 to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. to sole proprietorships, corporations, partnerships or limited liability companies. New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle New Balance. The details and amount of your New Balance for each monthly billing cycle Agreement).  Agreement).  Agreement).  Agreement).  Agreement).  Agreement).  Agreement).  applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on applies to Balance Transfers to determine the amount of your periodic interest charge on
 the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates w the Determination Date, we will use the highest. An increase in your rates will increase your the Determination Date, we will use the highest. An increase in your rates w ill increase your ill increase your Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death, Agreement or any other agreement with us, or in the event of your bankruptcy, death,
 will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will appear on your billing statement in the Summary of Account Activity section. will  appear on your billing statement in the Summary of Account Activity section.
 Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, Changes In Terms. You consent and agree that at any time we may add, delete, remove, If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the If the periodic interest charge calculated for a billing cycle in the manner described in the Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers. Balance Transfers.
 interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. interest charges and may increase your minimum monthly payment. fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of fraud or misrepresentation. If you are in default, we can demand immediate payment of
 amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to amend, or change any terms and conditions of this Agreement, including but not limited to Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but each  Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Minimum Payment Calculation. You may pay all or part of your balance at any time, but Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Calculating Average Daily Balances section is less than $.50 but more than $.00, we will Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the Cash Advance Balance. To determine this average daily balance, we (a) start with the the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under the entire balance and all fees and charges then owing on the account, as allowed under
 Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each Your APRs on Purchases, Balance Transfers and Cash Advances could be different for each
 the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  the Annual Percentage Rate (APR), fees or  other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the other terms. Such amendments may apply to the each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing month you must pay at least the Minimum Payment Due shown on the billing statement.  If  each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing each month you must pay at least the Minimum Payment Due shown on the billing impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The impose a $.50 minimum charge (in addition to any applicable Cash Advance Fee(s)). The previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any previous Cash Advance balance at the beginning of each new billing cycle and subtract any applicable law. applicable law. applicable law. applicable law. applicable law. applicable law. applicable law.
 of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such as of these categories of transactions and certain balances within these categories (such  of these categories of transactions and certain balances within these categories (such as as as as as as
 unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may unpaid balance and to new transactions, as allowed by applicable law. Reasons we may statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New your New Balance is $25.00 or less, the Minimum Payment Due will be the New Balance in  statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New statement. If your New Balance is $25.00 or less, the Minimum Payment Due will be the New amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged amount of interest charged will be shown on your billing statement in the Interest Charged unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine unpaid interest charge and unpaid fees which were included in that balance; (b) determine
   Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. Non-default Termination or Suspension. You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any You may terminate account privileges at any
 balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the balances subject to promotional rates). Each APR will equal the sum of Prime plus the
 change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks change the terms and conditions of this Agreement include, but are not limited to, risks Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest full.  Otherwise, the Minimum Payment Due will be the total of (1) the greatest of (a) 2.5%  Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest Balance in full. Otherwise, the Minimum Payment Due will be the total of (1) the greatest section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged section; except that, when imposed, the minimum charge will appear in the Fees Charged the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments the Cash Advance balance for each day of the monthly billing cycle by subtracting payments
   time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any time by notifying us in writing. We may terminate or suspend account privileges at any
 associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product associated  with  your  account,  economic  and  market  conditions  and  trends,  product applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate applicable margin (�Margin�). Margin means the percentage points added to the Prime Rate of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of your New Balance, (b) 1% of your New Balance, plus interest charges assessed in the  of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges of (a) 2.5% of your New Balance, (b) 1% of your New Balance, plus interest charges section of your statement. section of your statement. section of your statement. section of your statement. section of your statement. section of your statement. section of your statement. and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c) and credits applied to the Cash Advance balance and adding new Cash Advances; and (c)
   time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination time without prior notice unless required by applicable law. In the event of any termination
 parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you parameters, and our business needs and considerations. If we make such amendments, you to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margin to calculate the APR. Your Margins, corresponding APRs and monthly periodic rates for to calculate the APR. Your Margin s, corresponding APRs and monthly periodic rates for s, corresponding APRs and monthly periodic rates for assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net current billing cycle, (c) any over limit amount in the current cycle, or (d) $25.00; plus (2)  assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net assessed in the current billing cycle, (c) any over limit amount, or (d) $25.00; plus (2) net Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than Foreign Currency Transactions. If a transaction on the account is in a currency other than at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number at the end of the billing cycle, add these daily balances and divide the total by the number
   or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or or suspension, you will immediately stop using the account, and you will return or
 will receive adva will receive adva will receive adva will receive adva will receive adva will receive adva will receive adva nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and nce notice and a right to opt out, as may be required by the Agreement and Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder Purchases,  Balance  Transfers  and  Cash  Advances  are  shown  on  the  enclosed  folder fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed net fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed  fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed fees (excluding Cash Advance and Currency Conversion Fees) in excess of $0 assessed U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a U.S. Dollars, Visa or MasterCard will convert the amount of the transaction (whether a of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We of days in the billing cycle to determine the average daily balance for Cash Advances. We
   destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and destroy the card upon request. You will remain obligated to pay the account balance and
 applicable law.  applicable law.  applicable law.  applicable law.  applicable law.  applicable law.  applicable law.  containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Disclosure Table on the back of containing your card which includes the Account Opening Discl containing your card which includes the Account Opening Disclosure Table on the back of osure Table on the back of osure Table on the back of osure Table on the back of osure Table on the back of osure Table on the back of in the current billing cyc in the current billing cyc in the current billing cycle; plus (3) all amounts past due and/or over limit, as applicable. in the current billing cycle; plus (3) all amounts past due. in the current billing cyc in the current billing cycle; plus (3) all amounts past due and/or over limit, as applicable. in the current billing cyc in the current billing cycle; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. le; plus (3) all amounts past due and/or over limit, as applicable. purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules purchase, cash advance or credit) to U.S. Dollars as provided by Visa or MasterCard rules then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash then multiply this average daily balance by the monthly periodic rate that applies to Cash
   all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed all fees and charges according to the terms of this Agreement or as otherwise agreed
 the folder.  the folder.  the folder.  the folder.  the folder.  the folder.  the folder.  Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the Form of Payments. Do not send cash by mail. If you pay by check or money order, the then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between then in effect. Currently, Visa and MasterCard rules provide that the exchange rate between Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances. Advances to determine the amount of your periodic interest charge on Cash Advances.
 Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used Using Your Account. In addition to the card, we may furnish you checks which can be used between us. between us. between us. between us. between us. between us. between us.
 Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for Promise to Pay. You promise to pay us, in accordance with the terms of this Agreement, for check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds on deposit in a federally- check or money order must be in U.S. Dollars drawn on funds  on deposit in a federally- the  the  the  the  the  the  the  transaction  transaction  transaction  transaction  transaction  transaction  transaction  currency  currency  currency  currency  currency  currency  currency  and  and  and  and  and  and  and  the  the  the  the  the  the  the  billing  billing  billing  billing  billing  billing  billing  currency  currency  currency  currency  currency  currency  currency  used  used  used  used  used  used  used  for  for  for  for  for  for  for  processing  processing  processing  processing  processing  processing  processing  international international international international international international international
 to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according to access your account. You agree to use checks only in the form we furnish and according Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges: Other Fees and Charges:
   Credit Information. Credit Information. Credit Information. Credit Information. Credit Information. Credit Information. Credit Information. You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative You authorize us to make credit, employment and investigative
 to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the to any instructions we give you. You cannot stop payment on checks used to access the all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other ch all transactions on your account, plus all interest, finance charges and other charges, fees all transactions on your account, plus all interest, finance charges and other ch arges, fees arges, fees insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, we  insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, insured U.S. depository institution. However, we may, at our option, accept checks or insured U.S. depository institution. However, we may, at our option, accept checks or  we may, at our option, accept checks or may, at our option, accept checks or transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available transactions will be a rate selected by Visa or MasterCard from the range of rates available Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash Cash Advance Fee. We will impose a Cash Advance Fee equal to 3% of each new Cash
   inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the inquiries about you from time to time to credit reporting agencies and others until the
 in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may in wholesale currency markets for the applicable central processing date (which rate may
 account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo account. You may use your account to purchase goo ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash ds and services and to get Cash and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if and expenses incurred on or in connection with the account. You will be individually and, if money orders drawn on non-U.S. banks and impose service and collection charges o money orders drawn on non-U.S. banks and impose service and collection charges o money orders drawn on non-U.S. banks and impose service and collection charges on money orders drawn on non-U.S. banks and impose service and collection charges on money orders drawn on non-U.S. banks and impose service and collection charges on money orders drawn on non-U.S. banks and impose service and collection charges o money orders drawn on non-U.S. banks and impose service and collection charges on n n n Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount Advance. However, the fee will not be less than $10 per transaction or more than the amount
   Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to Agreement is terminated and the account balance is paid in full. You also promise to
 vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in vary from the rate Visa or MasterCard itself receives) or the government mandated rate in
 Advances.  Advances.  Advances.  Advances.  Advances.  Advances.  Advances.  applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are made by applicable, jointly and severally liable for the total balance, whether the charges are m applicable, jointly and severally liable for the total balance, whether the charges are made by ade by ade by ade by ade by ade by your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal c your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard your account for processing such items. When you send a personal check to the BankCard heck to the BankCard allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the allowed by applicable law or regulation. Each Cash Advance Fee will be itemized in the
 effect for the applicable central processing date. You agree to accept the converted amount. provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about
 effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. effect for the applicable central processing date. You agree to accept the converted amount. provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about provide current financial information upon our request. We may report information about
 you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot you or by a person authorized by you in any way to use your account in any way. You cannot Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Center, we may initiate an electronic debit for the amount of your check to your account at Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance Transactions section on your billing statement. The total amount of any Cash Advance
 Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, Cash Advances include cash obtained from participating financial institutions and ATMs, We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as We will charge you three percent (3%) of the amount calculated by Visa or MasterCard as the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and the account to credit reporting agencies, other creditors, Visa and MasterCard, and
 transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transactions  using  checks  to  access  your  account,  and  cash-equivalent  transactions transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. transfer or assign the account to another person. the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on which the check was written. Your payment will appear as an the financial institution on w hich the check was written. Your payment will appear as an Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section. Fee(s) will be shown on your billing statement in the Fees Charged section.
 a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the a  Currency  Conversion  Fee.  Each  Currency  Conversion  Fee  will  be  itemized  in  the others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law others who may properly receive such information, in accordance with applicable law
 (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or (including purchases of travelers� checks, casino chips and other items which Visa or Credit Limit. Credit Limit. Credit Limit. Credit Limit. Credit Limit. Credit Limit. Credit Limit. Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder co Your initial credit limit appears on the folder containing your card. We may Your initial credit limit appears on the folder co ntaining your card. We may ntaining your card. We may electronic debit on the statement for the account from which you made payment and will electronic debit on the statement for the account from which you made payment and will electronic debit on the statement for the account from which you made payment and will electronic debit o electronic deb electronic debit on the statement for the account from which you made payment and will electronic debit on the statement for the account from which you made payment and will it on the statement for the account from which you made payment and will n the statement for the account from which you made payment and will Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored, Returned Payment Fee. When a check or other payment on your account is not honored,
 Transactions  Transactions  Transactions  Transactions  Transactions  Transactions  Transactions  section  section  section  section  section  section  section  on  on  on  on  on  on  on  your  your  your  your  your  your  your  billing  billing  billing  billing  billing  billing  billing  statement.  statement.  statement.  statement.  statement.  statement.  statement.  The  The  The  The  The  The  The  total  total  total  total  total  total  total  amount  amount  amount  amount  amount  amount  amount  of  of  of  of  of  of  of  any  any  any  any  any  any  any  Currency Currency Currency Currency Currency Currency Currency and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein. and the Privacy Notice contained herein.
 MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The MasterCard rules, as applicable, designate as cash or cash-equivalent transactions). The increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect increase or decrease your credit limit at any time. Each of your billing statements will reflect include the name of the payee �BankCard Center�, include the name of the payee �BankCard Center�, include the name of the payee �BankCard Center�, the check number and the payment include the name of the payee �BankCard Center�, the check number and the payment include the name of the payee �BankCard Center�, the check number and the payment include the name of the payee �BankCard Center�, include the name of the payee �BankCard Center�, the check number and the payment  the check number and the payment  the check number and the payment  the check number and the payment cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a cannot be processed or otherwise cannot be applied to your account, we will charge you a
 Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Conversion Fee(s) will be shown on your billing statement in the Fees Charged section. Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we Promotions. From time to time, we may offer you temporary promotional terms. If we
 amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  amount of a Cash  Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the Advance obtained from an ATM may include a surcharge imposed by the your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree not to conduct any your credit limit in effect as of the date of the statement. You agree your credit limit in effect as of the date of the statement. You agree not to conduct any  not to conduct any  not to conduct any  not to conduct any  not to conduct any  not to conduct any amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  requir amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, amount.  We  can  (but  are  not  required  to)  accept  late  payments,  partial  payments, ed  to)  accept  late  payments,  partial  payments, returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any returned payment fee of up to $25.00 for the first occurrence and up to $35.00 for any
 Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: Paying Interest: do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and do, we will advise you in writing of the scope and duration of the promotional terms, and
 ATM owner. ATM owner. ATM owner. ATM owner. ATM owner. ATM owner. ATM owner. payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments payments marked or accompanied by �payment in full� or similar language, or payments additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles.  additional occurrences in the following six billing cycles. 
 transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. transaction that would cause the total balance of your account to exceed your credit limit. Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose Grace Period for Purchases. You will have a grace period during which we will not impose your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be your regular terms will resume at the time our offer specifies. Occasionally, you may be
 We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to We may honor, at our discretion, transactions which exceed your credit limit. You agree to which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are otherwise improper without losing any of our rights under this Agreement, which are o therwise improper without losing any of our rights under this Agreement,
 Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or Purchases are transactions initiated with the card or account for the purchase of goods or an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date an interest charge on Purchases if you pay your New Balance by the Payment Due Date Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account Late Payment Fee. If we do not receive at least the minimum payment due on your account contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you contacted about promotions, credit card enhancements and special products. If you
 services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such services from participating merchants (excluding cash-equivalent transactions) and such pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional pay any amount that exceeds your credit limit immediately upon request. Without additional including our right to require payment of the entire balance. including our right to require payment of the entire balance. including our right to require payment of the entire balance. incl including our right to require payment of the entire balance. including our right to require payment of the entire balance. including our right to require payment of the entire balance. uding our right to require payment of the entire balance.
 shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest shown on the billing statement each month. Otherwise, we will impose a periodic interest by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late by the Payment Due Date shown on your billing statement, we will charge you a late prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service, prefer not to receive this information, please write to us at BankCard Customer Service,
 other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  other charges we designate as Purchases.  notice  notice  notice  notice  notice  notice  notice  we  we  we  we  we  we  we  may  may  may  may  may  may  may  limit  limit  limit  limit  limit  limit  limit  the  the  the  the  the  the  the  number  number  number  number  number  number  number  or  or  or  or  or  or  or  dollar  dollar  dollar  dollar  dollar  dollar  dollar  amount  amount  amount  amount  amount  amount  amount  of  of  of  of  of  of  of  account  account  account  account  account  account  account  transactions,  transactions,  transactions,  transactions,  transactions,  transactions,  transactions,  and/or and/or and/or and/or and/or and/or and/or Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information Payment Processing. Payments accompanied by the payment coupon or other information charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. charge on the average daily balance of Purchases. payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional payment fee of up to $25.00 for the first occurrence and up to $35.00 for any additional P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request P.O. Box 1545, Memphis, TN 38101-1545. Please allow sixty (60) days for your request
 Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, Only a payment made by us, at your request via our customer service center or our website, authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. authorizations for transactions, within your credit limit for security or other reasons. adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be adequate to identify the appropriate account are proper payments. Proper payments will be occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. occurrences in the following six billing cycles. to take effect. to take effect. to take effect. to take effect. to take effect. to take effect. to take effect.
 Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not Grace Period for Balance Transfers. You will have a grace period during which we will not
 applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal applied to your account as of the date received if received Monday-Friday, excluding federal Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay Collection Costs and Attorneys� Fees. Except as prohibited by applicable law, you will pay
 to transfer all to transfer all to transfer all to transfer all to transfer all to transfer all to transfer all  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be  or part of your balance with another creditor to your account with us will be Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. Billing Statements. We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly We will send or make available a billing statement for each monthly impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the impose an interest charge on Balance Transfers if you pay your entire balance by the Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your Telephone Monitoring. You consent and agree that we may monitor and record your
 holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: holidays, by the times shown below: Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose Payment Due Date shown on the billing statement each month. Otherwise, we will impose our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement. our collection costs and attorneys� fees if you default under this Agreement.
 considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check considered and treated as a Balance Transfer under this Agreement. Your use of a check billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your billing cycle for which a Purchase, Balance Transfer or Cash Advance is posted to your telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors. telephone calls with our employees or contractors.
 used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under used to access your account for any purpose is not considered a Balance Transfer under account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect account or if there is a debit or credit balance of more than $1.00. The statement will reflect � � � � � � � Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by Payments received at BankCard Center, P.O. Box 385, Memphis, TN 38101-0385 by a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. a periodic interest charge on the average daily balance of Balance Transfers. Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Security Interest. Collateral furnished to secure any other credit you may owe us may also Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card Merchant Refunds/Credits. Merchants are not allowed to make cash refunds for card
 this Agreement. this Agreement. this Agreement. this Agreement. this Agreement. this Agreement. this Agreement. each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your each Purchase, Balance Transfer or Cash Advance transaction posted to your account, your 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT 5:00 p.m. CT Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic Cash Advances. There is no grace period for Cash Advances. We will impose a periodic secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, secure this account. However, if collateral securing other credit is your personal residence, transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the transactions on your credit card account, subject to a very few exceptions. Instead, if the
 Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder Introductory Rates. If we have offered you an Introductory Rate, the enclosed folder New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other New Balance, Payment Due Date, Minimum Payment Due, Interest Charges, Fees and other � � � � � � � Payments delivered in person to and processed by an employee at a Fir Payments delivered in person to and processed by an employee at a Fir Payments delivered in person to and processed by an employee at a First Tennessee Payments delivered in person to and processed by an employee at a First Tennessee Payments delivered in person to and processed by an employee at a First Tennessee Payments delivered in person to and processed by an employee at a Fir Payments delivered in person to and processed by an employee at a First Tennessee st Tennessee st Tennessee st Tennessee interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. interest charge on the average daily balance of Cash Advances. we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this we waive any claim we might otherwise have to treat that property as collateral for this merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a merchant grants your request for a refund, it is the merchant�s responsibility to send a
 containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening containing your card (including the Account Opening  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the  Disclosure Table on the back of the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the important information. Unless you notify us of any alleged errors in accordance with the financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location tha financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by financial center, or other First Tennessee location that accepts such payments, by t accepts such payments, by account. account. account. account. account. account. account.
 Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: Calculating Average Daily Balance: credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should r credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain credit through Visa or MasterCard so that we can credit your account. You should retain etain
 folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for folder)  provides  information  concerning  the  Introductory  Annual  Percentage  Rate  for Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in Billing Rights Notice in this Agreement, we may consider the statement correct for all Billing Rights Notice in  this Agreement, we may consider the statement correct for all  this Agreement, we may consider the statement correct for all close of business at that location close of business at that location close of business at that location close of business at that location close of business at that location close of business at that location close of business at that location Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Purchase Balance. To determine this average daily balance, we (a) start with the previous Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another Account Use by Others. Think carefully before you lend your card to or authorize another your copy of the credit sl your copy of the credit slip prepared by the merchant. If the merchant discloses a policy your copy of the credit slip prepared by the merchant. If the merchant discl your copy of the credit slip prepared by the merchant. If the merchant discloses a policy your copy of the credit slip prepared by the merchant. If the merchant d your copy of the credit sl your copy of the credit slip prepared by the merchant. If the merchant discloses a policy ip prepared by the merchant. If the merchant discloses a policy ip prepared by the merchant. If the merchant discloses a policy iscloses a policy oses a policy
 Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. Purchases, Balance Transfers and Cash Advances and the length of the Introductory Period. purposes.  purposes.  purposes.  purposes.  purposes.  purposes.  purposes.  � � � � � � � Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Payments made via First Tennessee�s Banking Online website by 5:00 p.m. CT Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid Purchase balance at the beginning of each new billing cycle and subtract any unpaid person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the person to use your card or account. You cannot limit that person�s authority to use the limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you  limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or limiting or disallowing refunds, you will be bound by it. If you make travel or lodging or make travel or lodging or
 1 1 1 1 1 1 1 2 2 2 2 2 2 3 3 3 3 3 3 4 4 4 4 4 4 5 5 5 5 5 5 6 6 6 6 6 6 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221
   other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the d binding arbitration. The small claims court exclusion applies only so long as the dispute the dispute remains in the small claims court and is an individual (non-class, non-rep- ispute 1101 Laurel Oak Road, Suite 100 JAMS JAMS JAMS JAMS JAMS JAMS JAMS Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitration will pay the initial filing fee, except that place agreed upon by you and us. The arbitrator will use reasonable efforts to protect  Costs of Arbitration. The party filing for arbitration will pay the initial filing fee, except that Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitra tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error:
                                                                                                                                                                                       CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT
   must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. resentative) Claim. If a Claim asserted in small claims court is transferred or appealed  1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 Voorhees, NJ  08043 you  you  con?dential information if requested to do so by any party. The arbitrator will make  you  you  you  you  you  may  may  may  may  may  may  may  seek  seek  seek  seek  seek  seek  seek  a  a  a  a  a  a  a  waiver  waiver  waiver  waiver  waiver  waiver  waiver  of  of  of  of  of  of  of  the  the  the  the  the  the  the  filing  filing  filing  filing  filing  filing  filing  fee  fee  fee  fee  fee  fee  fee  and/or  and/or  and/or  and/or  and/or  and/or  and/or  other  other  other  other  other  other  other  arbitration  arbitration  arbitration  arbitration  arbitration  arbitration  arbitration  fees  fees  fees  fees  fees  fees  fees  under  under  under  under  under  under  under  the the the the the the the � � � � � � � We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as delinquent on that We cannot try to collect the amount in question, or report you as delinquent on that We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as  delinquent on that  delinquent on that  delinquent on that  delinquent on that  delinquent on that
   accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or  If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either to a different court, either you or we may then elect mandatory, binding arbitration  appealed to a different court, either Toll free number:  877-495-4185 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify any award in writing and, upon a timely written request, provide a written statement of  Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify amount. amount. amount. amount. amount. amount. amount. and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act
   account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration pursuant to this Arbitration Provision. This Arbitration Provision is made pursuant to a  this  Arbitration www.jamsadr.com http://www.adr.org www.jamsadr.com www.jamsadr.com www.jamsadr.com www.jamsadr.com www.jamsadr.com www.jamsadr.com for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you reasons for the award. for, a waiver, we will c for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you onsider any written request by you for us to pay or reimburse you � � � � � � � The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
   authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing Provision. This Arbitration Provis Provision. This Arbitration Provision is made pursuant to a transaction involving interstate Provision. This Arbitration Provis Provision. This Arbitration Provision is made pursuant to a transaction involving interstate Provision. This Arbitration Provis Provision. This Arbitration Provision is made pursuant to a transaction involving interstate Provision. This Arbitration Provis transaction involving interstate commerce and shall be governed by and enforceable  ion is made pursuant to a transaction involving interstate ion is made pursuant to a transaction involving interstate ion is made pursuant to a transaction involving interstate ion is made pursuant to a transaction involving interstate Except for the small claims court exclusion set forth above, either you or we may ask  1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s F for all or part of the Administrator�s Fees. If you pay the initial filing fee and you prevail in Costs of Arbitration. You and we will be responsible for paying the fees of the arbitrator  for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre ees. If you pay the initial filing fee and you prevail in vail in vail in vail in vail in vail in charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
   rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be govern commerce and shall be governed by and enforceable under the Federal Arbitration Act (the under the Federal Arbitration Act (the FAA). ed by and enforceable under the Federal Arbitration Act (the an appropriate court to compel arbitration, or stay litigation pending arbitration, of any 
                                                                         Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you and any administrative fees charged by the Administrator according to the rules and  the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you � � � � � � � While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
   a new charge. a new charge. a new charge. a new charge. a new charge. a new charge. a new charge. �FAA�). �FAA�). �FAA�). �FAA�). �FAA�). �FAA�). �FAA�). De?nitions for Arbitration Provision. As used in this Arbitration Provision, the following  Claim, even if the Claim is part of a lawsuit in court. A party who has asserted a Claim  for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason procedures of the Administrator. We will also pay or reimburse you for all or part of  for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance.
                                                                         appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
                                      terms have the following de?nitions. The words we, our, and us mean First Tennessee  in a lawsuit may nevertheless elect mandatory arbitration with respect to any Claims 
   Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following  Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms terms other arbitration fees, if the arbitrator determines there is good reason to do so, and we 
                                                                         even if the Claim is part of a lawsuit in court. A party wh even if t even if the Claim is part of a lawsuit in court. A party who has asserted a Claim in a lawsuit even if the Claim is part of a lawsuit in court. A party wh even if the Claim is part of a lawsuit in court. A party wh even if the Claim is part of a lawsuit in court. A party who has asserted a Claim in a lawsuit even if the Claim is part of a lawsuit in court. A party wh he Claim is part of a lawsuit in court. A party who has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, wh to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. ich we are required to pay by law. � � � � � � � We can apply any unpaid amount against your credit limit. We can apply any unpaid amoun We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. t against your credit limit. Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard  Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
                                      Bank National Association (which also is branded as First Horizon), its parent company,  subsequently asserted in that lawsuit by any other party. Delay in exercising these  will pay any fees and costs, which we are required to pay by law or by the rules and 
   debt you owe us. debt you owe us. debt you owe us. debt you owe us. debt you owe us. debt you owe us. debt you owe us. have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with r may nevertheless elect mandatory arbitration with respect to any Claims subsequently espect to any Claims subsequently Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who p Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that revails, except that After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
                                      and their direct and indirect subsidiaries and af?liates, together with their employees,  rights shall not waive such rights. Failure to exercise arbitration rights with respect to a  procedures of the Administrator.  In addition, in the event that you receive an arbitration 
   Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient National Association (which also is branded as First Horizon), its  National Associat National Association (which also is branded as First Horizon), its parent company, and their National Association (which also is branded as First Horizon), its  National Association (which also is branded as First Horizon), its  National Association (which also is branded as First Horizon), its parent company, and their National Association (which also is branded as First Horizon), its  ion (which also is branded as First Horizon), its parent company, and their parent company, and their parent company, and their parent company, and their parent company, and their asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive a party may recover them from  a party may recover them from another party if the arbitrator determines that applicable law a party may recover them from another party if the arbitrator determines that applicable law a party may recover them from  a party may recover them from  a party may recover them from  a party may recover them from  another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law � � � � � � � If we made a mistake: You will n If we made a mistake: You will not have to pay the amount in question or any interest If we made a mistake: You will not have to pay the amount in question or any interest If we made a mistake: You will n If we made a mistake: You will n If we made a mistake: You will n If we made a mistake: You will n ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
                                      of?cers, directors, successors, and assigns. The words you, your, and yours refer to  particular Claim shall not waive your right or our right to demand arbitration of any other  award that is greater than our last written settlement offer, the arbitrator shall have the 
   reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  wit direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, h  their  employees,  officers, so requires. so requires. so requires. so requires. so requires. so requires. so requires. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
                                      any Consumer applicant, co-applicant, authorized user of the account, or legal repre- such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not Claim.  If the Administrator declines to administer a Claim in arbitration, then either party  such rights. Failure to exercise  such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not arbitration rights with respect to a particular Claim shall not discretion to require us to pay your attorneys� fees and costs. Otherwise, each party will 
                                     directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant,
                                                                         waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand ar waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. bitration of any other Claim. Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a � � � � � � � If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
   Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND sentative of any of the foregoing, and anyone claiming through such person or incident  shall have the right to proceed with the Claim as a lawsuit in court, in which case the  bear its own attorneys� fees and costs, regardless of who prevails.
                                     co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the acco co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, unt, or legal representative of any of the foregoing,
                                      to the account..  The word �Consumer� means a natural person who holds an account  Class Action Waiver set forth below still applies. party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Ad party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s ministrator�s along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statemen along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount t of the amount Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
   ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND Class Action Waiver.  Class Action Waiver. No Claim submitted to arbitration is heard by a jury or may be brought Class Action Waiver. No Claim submitted to arbitration is heard by a jury or may be brought Class Action Waiver.  Class Action Waiver.  Class Action Waiver. No Claim submitted to arbitration is heard by a jury or may be brought Class Action Waiver.  No Claim submitted to arbitration is heard by a jury or may be brought No Claim submitted to arbitration is heard by a jury or may be brought No Claim submitted to arbitration is heard by a jury or may be brought No Claim submitted to arbitration is heard by a jury or may be brought
                                     and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident  and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means to the account. The word Claim means Finality of Arbitration. The arbitrator�s decision is ?nal and binding on the parties, except 
                                                                                                                                                 you owe and the date payment is due. We may then report you as delinquent if you you owe and th you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you e date payment is due. We may then report you as delinquent if you Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
   THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this primarily for personal, family or household purposes. The word Claim means any claim,  Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) waive  rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a
                                     any claim, con any claim, controversy, or dispute of any kind between you and us arising from or relating to any claim, controversy, or dispute of any kind between you and us arising from or relating to any claim, con any claim, con any claim, controversy, or dispute of any kind between you and us arising from or relating to any claim, con troversy, or dispute of any kind between you and us arising from or relating to troversy, or dispute of any kind between you and us arising from or relating to troversy, or dispute of any kind between you and us arising from or relating to troversy, or dispute of any kind between you and us arising from or relating to as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class actio as a class action or as a private attorney general. You do not have the right to act as a class n or as a private attorney general. You do not have the right to act as a class for any right of appeal provided by the FAA. Costs will be allocated in the same way 
                                                                                                                                                 do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. New Balance New Balance New Balance New Balance New Balance New Balance New Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
   Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of controversy, or dispute of any kind arising from or relating to the account or any re- the right to proceed as part of any class action and (2) waive the right to a trial by jury  single arbitrator. A final and binding award is subje sin single arbitrator. A final and binding award is subject to judicial review only as provided by single arbitrator. A final and binding award is subje single arbitrator. A final and binding award is subje single arbitrator. A final and binding award is subje single arbitrator. A final and binding award is subje gle arbitrator. A final and binding award is subject to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by
                                     the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the acc the account or any relationship arising from or related to the account. The word Claim ount or any relationship arising from or related to the account. The word Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect t representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim o any Claim as costs are allocated in arbitration by a single arbitrator. A ?nal and binding award 
                                                                                                                                                                                    Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
                                      lationship arising from or related to the account. The word Claim includes, but is not 
   this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and of any and all Claims.  No Claim submitted to arbitration is heard by a jury or may be  the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having is subject to judicial review only as provided by the FAA. An arbitration award will be  the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having If you receive our ex If you receive our explanation but still believe your bill is wrong, you must write to us within If you receive our ex If you receive our explanation but still believe your bill is wrong, you must write to us within If you receive our ex If you receive our ex If you receive our ex planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within
                                     includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you a includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us nd us submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be
                                      limited to, any claim, controversy or dispute involving one or more of the following:                                                       Form of Payments Form of Payments Form of Payments Form of Payments Form of Payments Form of Payments Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
   effect. effect. effect. effect. effect. effect. effect.               brought as a class action or as a private attorney general.  You do not have the right to  jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as
                                     involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: arbitrated on an individual basis by a single arbitrat arbi arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority to resolve arbitrated on an individual basis by a single arbitrat arbitrated on an individual basis by a single arbitrat arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority to resolve arbitrated on an individual basis by a single arbitrat trated on an individual basis by a single arbitrator. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve enforceable under the FAA by any court having jurisdiction.
                                                                                                                                                                                  Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payme Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payment  Paymen nt Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 t Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
                                        � the formation, application, enforceability, or interpretation of this Arbitration Pro- act as a class representative or participate as a member of a class of claimants with 
   Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and u Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make s alone, and the arbitrator�s authority to make Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination  Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell y delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the ou the
                                     � � � � � � � the  the  the  the  the  the  the  application,  application,  application,  vision or other part of the Agreement; application,  application,  application,  application,  enforceability,  enforceability,  enforceability,  enforceability,  enforceability,  enforceability,  enforceability,  or  or  or  or  or  or  or  interpretation  interpretation  interpretation  interpretation  interpretation  interpretation  interpretation  of  of  of  of  of  of  of  this  this  this  this  this  this  this  Arbitration  A Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  rbitration  Provision  Provision  Provision  Provision  Provision  Provision  Provision  or or or or or or or Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                                                         respect to any Claim submitted to arbitration (Class Action Waiver). Any Claim resolved  name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those we  reported  you  as  delinquent,  and  we  must  let  those
   on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the or changes in the Agreement and/or related agreements or programs, the account, and  changes in th changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the e Agreement and/or related agreements or programs, the account, and the
                                        other part of the Agreement other part of the Agreement; other part of the Agreement; other part of the Agreement other part of the Agreement other part of the Agreement; other part of the Agreement ; ; ; ; awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                       � any advertisements, solicitations, disclosures or other communications relating  by arbitration shall be arbitrated on an individual basis by a single arbitrator. The arbitra- the relationship between you and us concerning the account and related programs; (ii)  organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do not follow all of organizations know when the matter has been settled between us. If we do not follow all of organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do n ot follow all of ot follow all of ot follow all of ot follow all of ot follow all of
   or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by  be joined or consolidated in arbitration with Claims brought by relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  co relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) ncerning  the  account  and  related  programs;  (ii) Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                     � � � � � � � any  any  any  any  any  any  any  to the account, whether made before or after the account was opened; adver tisements,  adver tisements,  adver tisements,  adver tisements,  adver tisements,  adver tisements,  adver tisements,  solicitations,  solicitations,  solicitations,  solicitations,  solicitations,  solicitations,  solicitations,  disclosures  disclosures  disclosures  disclosures  disclosures  disclosures  disclosures  or  or  or  or  or  or  or  other  other  other  other  other  other  other  communications  communications  communications  communications  communications  communications  communications  tor�s authority to resolve Claims is limited to Claims between you and us alone, and  bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account,  the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your
   internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties.  otherwise agreed to in writing by all parties. ban bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or ban ban ban ban kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                        relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to t relating to the account, whether made before or after the account was opened; � the opening, administration and termination of the account; he account, whether made before or after the account was opened; the arbitrator�s authority to make awards is limited to you and us alone. Furthermore, 
                                                                                                            any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims or any amounts owed on the account. Any different agreement regarding arbitration of  any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims bill is correct. bill is correct. bill is correct. bill is correct. bill is correct. bill is correct. bill is correct.
   illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  deemed deemed deemed deemed deemed deemed deemed Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                                                         Sev Severability. The parties to this Arbitration Provision acknowledge that the Class Action Claims brought by you against us or by us against you may not be joined or consoli- Severability. The parties to this Arbitration Provision acknowledge that the Class Action Sev Sev Severability. The parties to this Arbitration Provision acknowledge that the Class Action Sev erability. The parties to this Arbitration Provision acknowledge that the Class Action erability. The parties to this Arbitration Provision acknowledge that the Class Action erability. The parties to this Arbitration Provision acknowledge that the Class Action erability. The parties to this Arbitration Provision acknowledge that the Class Action
                                     � � � � � � �   the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; � any transactions involving the account; must be agreed in writing. must be agreed in writing. Claims must be agreed in writing.
   an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other must be agreed in writing. must be agreed in writing. must be agreed in writing. must be agreed in writing. must be agreed in writing. Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                                                         Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and dated in arbitration with Claims brought by or against someone other than you, unless  Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and
   related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal � � � � � � �   any transactions involving the account; any transactions involving the account; any transactions involving the account; any transactions involving the acc any transactions involving the account; any transactions involving the account; any transactions involving the account; � any interest, fees and other charges to the account; ount; If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services that you have purchased with yo If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services th If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services that you have purchased with your credit at you have purchased with your credit ur credit Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                                                         is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided otherwise agreed to in writing by all parties. is non-severable from this Arbitration Provision. If the Class Actio is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided n Waiver is limited, voided Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document fo Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use r Future Use
                                        � any products or services (whether provided by us or a third party) related to or 
   use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                     � � � � � � � any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may
                                                                         or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for t Severability.  The parties to this Arbitration Provision acknowledge that the Class Action 
                                        offered in connection with the account; or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) his sentence) This This This This This This This notice notice notice notice notice notice notice tells you tells you tells you tells you tells you tells you tells you about about about about about about about your your your your your your your rights rights rights rights rights rights rights and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit
   indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, have the right not to pay the have the right not to pay the remaining amount due on the purchase. have the right not to pay the have the right not to pay the remaining amount due on the purchase. have the right not to pay the have the right not to pay the have the right not to pay the  remaining amount due on the purchase.  remaining amount due on the purchase.  remaining amount due on the purchase.  remaining amount due on the purchase.  remaining amount due on the purchase. Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculat Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 ing Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                     � � � � � � � any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  us  or  a  third  party)  related  to  or 
                                        � any use or disclosure of information about you or the account; shall be null and void with respect t shall be null and void with respect to such proceeding, subject to the right to appeal the Waiver is material and essential to the arbitration of any disputes between the parties  shall be null and void with respect to such proceeding, subject to the right to appeal the shall be null and void with respect t shall be null and void with respect t shall be null and void with respect to such proceeding, subject to the right to appeal the shall be null and void with respect t o such proceeding, subject to the right to appeal the o such proceeding, subject to the right to appeal the o such proceeding, subject to the right to appeal the o such proceeding, subject to the right to appeal the Billing Act. Billing Act. Billing Act. Billing Act. Billing Act. Billing Act. Billing Act.
                                                                                                                                               To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
   legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. offered in conn offered in connection with the account; offered in connection with the account; offered in conn offered in conn offered in connection with the account; offered in conn ection with the account; ection with the account; ection with the account; ection with the account; limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that and is non-severable from this Arbitration Provision.  If the Class Action Waiver is  limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that  Class Action Waiver. The parties acknowledge and agree that
                                        � any other matters relating to the account or your credit card relationship with us.
                                                                         limited, voided or found unenforceable, then the parties� agreement to arbitrate (except  What To Do If You Find A Mistake On Your Statement W What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement hat To Do If You Find A Mistake On Your Statement Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
   Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or 1. 1. 1. 1. 1. 1. 1. The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of 
                                     � � � � � � � All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Pro- any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account any use or disclosure of information about you or the account; ; under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration
                                                                                                            I f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box If you think there is an error on your statement, write to us at: BankCard Center, P.O. Box If you think there is an error on your statement, write to us at: BankCard Center, P.O. Box I I f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box If you think there is an error on your statement, write to us at: BankCard Center, P.O. Box f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box I f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
   stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you for this sentence) shall be null and void with respect to such proceeding, subject to  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than   
                                     � � � � � � � vision, regardless of whether the Claim: (i) previously existed, is now existing (whether  any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provisi Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be on, other than the Class Action Waiver, cannot be enforced, that portion will be
                                                                                                            1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
   agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) the right to appeal the limitation or invalidation of the Class Action Waiver.  The parties  $50.  $50.  $50.  $50.  $50.  $50.  $50.  (Note:  (Note:  (Note:  (Note:  (Note:  (Note:  (Note:  Neither  Neither  Neither  Neither  Neither  Neither  Neither  of  of  of  of  of  of  of  these  these these  these  these  these  these    is  is  is  is  is  is  is  necessary  necessary  necessary  necessary  necessary  necessary  necessary  if  if  if  if  if  if  if  your  your  your  your  your  your  your  purchase  purchase  purchase  purchase  purchase  purchase  purchase  was  was  was  was  was  was  was  based  based  based  based  based  based  based  on  on  on  on  on  on  on  an  an  an  an  an  an  an 
                                      discovered or undiscovered) or arises later; (ii) is based on a theory of contract, tort  severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of  severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. the Arbitration Provision will continue to apply. Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
                                     � � � � � � � any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. acknowledge and agree that under no circumstances will a class action be arbitrated.  a transaction dispute. You will need to give us the following information:  a transaction dispute. You will need to give us the following information:  a transaction dispute. You will need to give us the following information a transaction dispute. You will need to give us the following information:  a transaction dispute. You will need to give us the following information:  a transaction dispute. You will a transaction dispute. You will need to give us the following information:   need to give us the following information:  : 
   if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the 
                                      (including intentional tort), negligence, agency or other vicarious liability, fraud, statute,  A Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
                                     Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the f Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity oregoing, the word Claim does not include any challenge to the validity If any portion of this Arbitration Provision, other than the Class Action Waiver, cannot  Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve A A rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will re A rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve solve
   us such written information as us such written information as us such written information as us such written information as us such written information as us such written information as us such written information as  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation. � � � � � � � Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. good goods or services.) goods or services.) good good good good s or services.) s or services.) s or services.) s or services.) s or services.)
                                      regulation, constitution, or any other source of law or equity; (iii) seeks monetary dam-                                                     Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
                                     and effect of the Class Action Waiver set forth below, which must be decided by a co and effect of the Class Action Wai and effect of the Class Action Waiver set forth below, which must be decided by a court. and effect of the Class Action Waiver set forth below, which must be decided by a co and effect of the Class Action Waiver set forth below, which must be decided by a co and effect of the Class Action Waiver set forth below, which must be decided by a court. and effect of the Class Action Waiver set forth below, which must be decided by a co ver set forth below, which must be decided by a court. urt. urt. urt. urt. Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration be enforced, that portion will be severed, and the rest of the Arbitration Provision will  Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration � � � � � � � Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected e Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. rror. 2. 2. 2. 2. 2. 2. 2. You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash 
   Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that ages, or declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an  Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fe Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fee es  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 s  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
                                                                         Provision.  Provision.  continue to apply. Provision.  Provision.  Provision.  Provision.  Provision.  This  This  This  This  This  This  This  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Provision  Provision  Provision  Provision  Provision  Provision  Provision  will  will  will  will  will  will  will  govern  govern  govern  govern  govern  govern  govern  in  in  in  in  in  in  in  the  the  the  the  the  the  the  event  event  event  event  event  event  event  of  of  of  of  of  of  of  conflict  conflict  conflict  con conflict  conflict  conflict  flict  with  with  with  with  with  with  with  the the the the the the the
                                     All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitr All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, ation Provision, � � � � � � � Description of problem: If you think there i Description of problem: If you think there is an error on your bill, describe what you Description of problem: If you think there is an error on your bill, describe what you Description of problem: If you think there i Description of problem: If you think there i Description of problem: If you think there is an error on your bill, describe what you Description of problem: If you think there i s an error on your bill, describe what you s an error on your bill, describe what you s an error on your bill, describe what you s an error on your bill, describe what you advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do 
   occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs initial claim, counterclaim, crossclaim, interpleader action, third-party claim or other  Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
                                                                         Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will  Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be
                                     regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. not qualify. not qualify. not qualify. not qualify. not qualify. not qualify. not qualify.
   before you notify us.  before you notify us.  before you notify us.  before you notify us.  before you notify us.  before you notify us.  before you notify us.  action; or (v) is asserted as an individual claim or as part of a class action or other  Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
                                                                         limited by the Administrator�s rules and procedures. T limi resolve Claims pursuant to the rules and procedures of the Administrator and this Ar- limited by the Administrator�s rules and procedures. The arbitrator will apply applicable limited by the Administrator�s rules and procedures. T limited by the Administrator�s rules and procedures. T limited by the Administrator�s rules and procedures. The arbitrator will apply applicable limited by the Administrator�s rules and procedures. T ted by the Administrator�s rules and procedures. The arbitrator will apply applicable he arbitrator will apply applicable he arbitrator will apply applicable he arbitrator will apply applicable he arbitrator will apply applicable
                                     or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on  or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including a theory of contract, tort (including 3. 3. 3. 3. 3. 3. 3. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase.
                                      representative or collective action. (Any Claim asserted as part of a class action or other  You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: Notices Notices Notices Notices Notices Notices Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
   ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applicable statutes of limitations and honor bitration Provision. This Arbitration Provision will govern in the event of con?ict with  substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applica substantive law consistent with the FAA and applicable statutes of limitations and honor ble statutes of limitations and honor
                                     intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability,  intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, representative or collective action shall proceed in arbitration on an individual basis as  fraud, statute, regulation, If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all of the criteria above are me If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all of the criteria above are met and you are still dissatisfied with the purchase, contact us  of the criteria above are met and you are still dissatisfied with the purchase, contact us t and you are still dissatisfied with the purchase, contact us
                                                                         legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any the Administrator�s rules and procedures. Discovery procedures available to parties  legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any � � � � � � � Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Def Def Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 ault/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 ault/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
   ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION:  PLEASE READ THE FOLLOWING ARBITRATION PROVISION CARE- ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. constitution,  or  any  ot constitution,  or  any  other  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or constitution,  or  any  other  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or constitution,  or  any  ot constitution,  or  any  ot constitution,  or  any  other  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or constitution,  or  any  ot set forth below.) Joint Cardholders, applicants and authorized users on a single ac- her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 -1545. You may also -1545. You may also -1545. You may also -1545. You may also -1545. You may also
                                                                         will be limited by the Administrator�s rules and procedures. The arbitrator will apply  � � � � � � � At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days before an automated payment is scheduled, if  At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days bef At least 3 business days before an automated payment is scheduled, if you want to ore an automated payment is scheduled, if you want to you want to Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
   IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME FULLY. IT PROVIDES FOR MANDATORY ARBITRATION OF CONSUMER CLAIMS  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive r declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, count or multiple accounts for which the same Cardholders are legally responsible will  elief, or other remedy or relief; (iv) is asserted as an initial claim, damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided fo damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the r under applicable law, but only with respect to the contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While Credit Information Credit Information Credit Information Credit Information Credit Information Credit Information Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
                                                                         applicable substantive law consistent with the FAA and applicable statutes of limitations  stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong.
   EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  (SUBJECT TO SOME EXCEPTIONS), INSTEAD OF COURT PROCEEDINGS. IF YOU  EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  OF  OF  OF  OF  OF  OF  OF  COURT  COURT  COURT  COURT  COURT  COURT  COURT  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  IF  IF  IF  IF  IF  IF  IF  YOU  YOU  YOU  YOU  YOU  YOU  YOU  OR  OR  OR  OR  OR  OR  OR  WE  WE  WE  WE  WE  WE  WE  ELECT ELECT ELECT ELECT ELECT ELECT ELECT counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is be treated as one person for this purpose.  All questions about whether disputes are   is named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The ar named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision bitrator and this Arbitration Provision we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  Promotions Promotions Promotions Promotions Promotions Promotions Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
                                                                         and honor legally recognized claims of privilege.  The arbitrator will have the power to 
   ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO  ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or subject to arbitration shall be resolved by interpreting this arbitration provision in the  will not be will not be subject to federal, state, or local rules of procedure and evidence applicable to will not be subject to federal, state, or local rules of procedure and evidence applicable to will not be will not be will not be subject to federal, state, or local rules of procedure and evidence applicable to will not be  subject to federal, state, or local rules of procedure and evidence applicable to  subject to federal, state, or local rules of procedure and evidence applicable to  subject to federal, state, or local rules of procedure and evidence applicable to  subject to federal, state, or local rules of procedure and evidence applicable to You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in wr You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but iting (or electronically). You may call us, but
                                                                         award any damages or other relief that would be available in court and are permitted  After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our decision. At that point, if we After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our d After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our decision. At that point, if we think you ecision. At that point, if we think you  think you Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
   BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE  BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION collective action. (Any Claim asserted as part of a class action  collective acti collective action. (Any Claim asserted as part of a class action  collective action. (Any Claim asserted as part of a class action or other representative or collective action. (Any Claim asserted as part of a class action  collective action. (Any Claim asserted as part of a class action or other representative or collective action. (Any Claim asserted as part of a class action  broadest way the law will allow it to be enforced. on. (Any Claim asserted as part of a class action or other representative or or other representative or or other representative or or other representative or or other representative or lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an laws lawsuits or to state or local laws relating to arbitration. Either party may choose to have an uits or to state or local laws relating to arbitration. Either party may choose to have an if  if you do we are not required to investigate any potential errors; and you may have to pay if  if you do we are not required to investigate any potential errors; and you may have to pay if  if you do we are not required to investigate any potential errors; and you may have to pay if  you do we are not required to investigate any potential errors; and you may have to pay you do we are not required to investigate any potential errors; and you may have to pay you do we are not required to investigate any potential errors; and you may have to pay you do we are not required to investigate any potential errors; and you may have to pay
                                                                         under the terms and conditions of this Agreement, but only with respect to the named  owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
   PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT TH PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR IN A CLASS ACTION PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT  PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR AT MAY BE LIMITED OR collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individ collective action shall proceed in arbitration on an individual basis as set forth below). Joint Initiation of Arbitration. The party electing arbitration must use the arbitration adminis- ual basis as set forth below). Joint arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration  arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be hearing may be the amount in question. the amount in question. the amount in question. the amount in question. the amount in question. the amount in question. the amount in question.
                                                                         parties and the Claims being arbitrated.  The arbitrator and this Arbitration Provision will             Assignment Assignment Assignment Assignment Assignment Assignment Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
   UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO  UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for trator shown below and follow its rules and procedures, except as otherwise stated in  conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you not be subject to federal, state, or local rules of procedure and evidence applicable to  conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter Captions Captions Captions Captions Captions Captions Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
   APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOSE APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS CONDUCT DISCOVERY OR TO APPEAL. FEES AND EXPENSES OF ARBITRATION  APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS E E E E E E which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders a which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or this Arbitration Provision. Copies of its current rules, procedures, forms, and related  re legally responsible will be treated as one person or attend in person will occur at a place designated  attend in person will occur at a place designated by the Administrator at a location within lawsuits or to state or local laws relating to arbitration. Either party may choose to have  attend in person will occur at a place designated by the Administrator at a location within attend in person will occur at a place designated  attend in person will occur at a place designated  attend in person will occur at a place designated by the Administrator at a location within attend in person will occur at a place designated  by the Administrator at a location within by the Administrator at a location within by the Administrator at a location within by the Administrator at a location within When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two thin When we receive your letter, we must do two things: gs: Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
   MAY BE HIGHER THAN THOSE ASSOCIATED WITH COURT PROCEEDINGS. THE 
   ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. information, including information about how to ?le a Claim, may be obtained by con- the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed an arbitration hearing and to be represented by counsel. An arbitration hearing may be  the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed 1. 1. 1. 1. 1. 1. 1. Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your lett Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  er, we must tell you that we received your letter.  Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
   ARBITRATOR�S DECISION WILL BE BINDING, EXCEPT AS PROVIDED BELOW.
   BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. tacting the Administrator as follows:
                                     Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential conducted by telephone if the parties agree. Any participatory arbitration hearing that  upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error.  error. Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
   Agreement to Arbitrate. Upon the election of either you or us, any Claims (as de?ned 
   Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and American Arbitration Association information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing you attend in person will occur at a place designated by the Administrator at a location  information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing 2. 2. 2. 2. 2. 2. 2. Within 90 days of receiving your letter,  Within 90 days of receiving your letter, we must either correct the error or explain to  Within 90 days of receiving your letter,  Within 90 days of receiving your letter, we must either correct the error or explain to  Within 90 days of receiving your letter,  Within 90 days of receiving your letter, we must either correct the error or explain to  Within 90 days of receiving your letter,  we must either correct the error or explain to  we must either correct the error or explain to  we must either correct the error or explain to  we must either correct the error or explain to  Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
   below), except for Claims ?led in a small claims court, may be resolved by manda-
   below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court,  below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, may be resolved by mandatory, related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: Case Filing Services and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. within the federal judicial district that includes your billing address or at some other  and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
   tory, binding arbitration. The small claims court exclusion applies only so long as 
                                                                                                                                                                                  BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10
                 7 7 7 7 7 7 7                      8 8 8 8 8 8 8                      9 9 9 9 9                          10 10 10 10 10 10 10 M-105907  4/12 11 11 11 11 11 11 11 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221
 other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the d binding arbitration. The small claims court exclusion applies only so long as the dispute the dispute remains in the small claims court and is an individual (non-class, non-rep- ispute 1101 Laurel Oak Road, Suite 100 JAMS JAMS JAMS JAMS JAMS JAMS JAMS Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitration will pay the initial filing fee, except that place agreed upon by you and us. The arbitrator will use reasonable efforts to protect  Costs of Arbitration. The party filing for arbitration will pay the initial filing fee, except that Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitra tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error:
                                                                                                                                                    CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT
 must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. resentative) Claim. If a Claim asserted in small claims court is transferred or appealed  1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 Voorhees, NJ  08043 you  you  con?dential information if requested to do so by any party. The arbitrator will make  you  you  you  you  you  may  may  may  may  may  may  may  seek  seek  seek  seek  seek  seek  seek  a  a  a  a  a  a  a  waiver  waiver  waiver  waiver  waiver  waiver  waiver  of  of  of  of  of  of  of  the  the  the  the  the  the  the  filing  filing  filing  filing  filing  filing  filing  fee  fee  fee  fee  fee  fee  fee  and/or  and/or  and/or  and/or  and/or  and/or  and/or  other  other  other  other  other  other  other  arbitration  arbitration  arbitration  arbitration  arbitration  arbitration  arbitration  fees  fees  fees  fees  fees  fees  fees  under  under  under  under  under  under  under  the the the the the the the � � � � � � � We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as delinquent on that We cannot try to collect the amount in question, or report you as delinquent on that We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as  delinquent on that  delinquent on that  delinquent on that  delinquent on that  delinquent on that
 accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or  If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either to a different court, either you or we may then elect mandatory, binding arbitration  appealed to a different court, either Toll free number:  877-495-4185 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify any award in writing and, upon a timely written request, provide a written statement of  Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify amount. amount. amount. amount. amount. amount. amount. and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act
 account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration pursuant to this Arbitration Provision. This Arbitration Provision is made pursuant to a  this  Arbitration www.jamsadr.com http://www.adr.org www.jamsadr.com www.jamsadr.com www.jamsadr.com www.jamsadr.com www.jamsadr.com www.jamsadr.com for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you reasons for the award. for, a waiver, we will c for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you onsider any written request by you for us to pay or reimburse you � � � � � � � The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing Provision. This Arbitration Provis Provision. This Arbitration Provision is made pursuant to a transaction involving interstate Provision. This Arbitration Provis Provision. This Arbitration Provision is made pursuant to a transaction involving interstate Provision. This Arbitration Provis Provision. This Arbitration Provision is made pursuant to a transaction involving interstate Provision. This Arbitration Provis transaction involving interstate commerce and shall be governed by and enforceable  ion is made pursuant to a transaction involving interstate ion is made pursuant to a transaction involving interstate ion is made pursuant to a transaction involving interstate ion is made pursuant to a transaction involving interstate Except for the small claims court exclusion set forth above, either you or we may ask  1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s F for all or part of the Administrator�s Fees. If you pay the initial filing fee and you prevail in Costs of Arbitration. You and we will be responsible for paying the fees of the arbitrator  for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre ees. If you pay the initial filing fee and you prevail in vail in vail in vail in vail in vail in charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be govern commerce and shall be governed by and enforceable under the Federal Arbitration Act (the under the Federal Arbitration Act (the FAA). ed by and enforceable under the Federal Arbitration Act (the an appropriate court to compel arbitration, or stay litigation pending arbitration, of any 
                                     Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you and any administrative fees charged by the Administrator according to the rules and  the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you � � � � � � � While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 a new charge. a new charge. a new charge. a new charge. a new charge. a new charge. a new charge. �FAA�). �FAA�). �FAA�). �FAA�). �FAA�). �FAA�). �FAA�). De?nitions for Arbitration Provision. As used in this Arbitration Provision, the following  Claim, even if the Claim is part of a lawsuit in court. A party who has asserted a Claim  for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason procedures of the Administrator. We will also pay or reimburse you for all or part of  for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance.
                                     appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
   terms have the following de?nitions. The words we, our, and us mean First Tennessee  in a lawsuit may nevertheless elect mandatory arbitration with respect to any Claims 
 Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following  Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms terms other arbitration fees, if the arbitrator determines there is good reason to do so, and we 
                                     even if the Claim is part of a lawsuit in court. A party wh even if t even if the Claim is part of a lawsuit in court. A party who has asserted a Claim in a lawsuit even if the Claim is part of a lawsuit in court. A party wh even if the Claim is part of a lawsuit in court. A party wh even if the Claim is part of a lawsuit in court. A party who has asserted a Claim in a lawsuit even if the Claim is part of a lawsuit in court. A party wh he Claim is part of a lawsuit in court. A party who has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, wh to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. ich we are required to pay by law. � � � � � � � We can apply any unpaid amount against your credit limit. We can apply any unpaid amoun We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. t against your credit limit. Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard  Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
   Bank National Association (which also is branded as First Horizon), its parent company,  subsequently asserted in that lawsuit by any other party. Delay in exercising these  will pay any fees and costs, which we are required to pay by law or by the rules and 
 debt you owe us. debt you owe us. debt you owe us. debt you owe us. debt you owe us. debt you owe us. debt you owe us. have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with r may nevertheless elect mandatory arbitration with respect to any Claims subsequently espect to any Claims subsequently Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who p Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that revails, except that After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
   and their direct and indirect subsidiaries and af?liates, together with their employees,  rights shall not waive such rights. Failure to exercise arbitration rights with respect to a  procedures of the Administrator.  In addition, in the event that you receive an arbitration 
 Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient National Association (which also is branded as First Horizon), its  National Associat National Association (which also is branded as First Horizon), its parent company, and their National Association (which also is branded as First Horizon), its  National Association (which also is branded as First Horizon), its  National Association (which also is branded as First Horizon), its parent company, and their National Association (which also is branded as First Horizon), its  ion (which also is branded as First Horizon), its parent company, and their parent company, and their parent company, and their parent company, and their parent company, and their asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive a party may recover them from  a party may recover them from another party if the arbitrator determines that applicable law a party may recover them from another party if the arbitrator determines that applicable law a party may recover them from  a party may recover them from  a party may recover them from  a party may recover them from  another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law � � � � � � � If we made a mistake: You will n If we made a mistake: You will not have to pay the amount in question or any interest If we made a mistake: You will not have to pay the amount in question or any interest If we made a mistake: You will n If we made a mistake: You will n If we made a mistake: You will n If we made a mistake: You will n ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
   of?cers, directors, successors, and assigns. The words you, your, and yours refer to  particular Claim shall not waive your right or our right to demand arbitration of any other  award that is greater than our last written settlement offer, the arbitrator shall have the 
 reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  wit direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, h  their  employees,  officers, so requires. so requires. so requires. so requires. so requires. so requires. so requires. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
   any Consumer applicant, co-applicant, authorized user of the account, or legal repre- such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not Claim.  If the Administrator declines to administer a Claim in arbitration, then either party  such rights. Failure to exercise  such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not arbitration rights with respect to a particular Claim shall not discretion to require us to pay your attorneys� fees and costs. Otherwise, each party will 
  directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant,
                                      waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand ar waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. bitration of any other Claim. Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a � � � � � � � If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND sentative of any of the foregoing, and anyone claiming through such person or incident  shall have the right to proceed with the Claim as a lawsuit in court, in which case the  bear its own attorneys� fees and costs, regardless of who prevails.
  co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the acco co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, unt, or legal representative of any of the foregoing,
   to the account..  The word �Consumer� means a natural person who holds an account  Class Action Waiver set forth below still applies. party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Ad party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s ministrator�s along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statemen along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount t of the amount Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND Class Action Waiver.  Class Action Waiver. No Claim submitted to arbitration is heard by a jury or may be brought Class Action Waiver. No Claim submitted to arbitration is heard by a jury or may be brought Class Action Waiver.  Class Action Waiver.  Class Action Waiver. No Claim submitted to arbitration is heard by a jury or may be brought Class Action Waiver.  No Claim submitted to arbitration is heard by a jury or may be brought No Claim submitted to arbitration is heard by a jury or may be brought No Claim submitted to arbitration is heard by a jury or may be brought No Claim submitted to arbitration is heard by a jury or may be brought
  and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident  and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means to the account. The word Claim means Finality of Arbitration. The arbitrator�s decision is ?nal and binding on the parties, except 
                                                                                                              you owe and the date payment is due. We may then report you as delinquent if you you owe and th you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you e date payment is due. We may then report you as delinquent if you Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this primarily for personal, family or household purposes. The word Claim means any claim,  Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) waive  rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a
  any claim, con any claim, controversy, or dispute of any kind between you and us arising from or relating to any claim, controversy, or dispute of any kind between you and us arising from or relating to any claim, con any claim, con any claim, controversy, or dispute of any kind between you and us arising from or relating to any claim, con troversy, or dispute of any kind between you and us arising from or relating to troversy, or dispute of any kind between you and us arising from or relating to troversy, or dispute of any kind between you and us arising from or relating to troversy, or dispute of any kind between you and us arising from or relating to as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class actio as a class action or as a private attorney general. You do not have the right to act as a class n or as a private attorney general. You do not have the right to act as a class for any right of appeal provided by the FAA. Costs will be allocated in the same way 
                                                                                                              do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. New Balance New Balance New Balance New Balance New Balance New Balance New Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of controversy, or dispute of any kind arising from or relating to the account or any re- the right to proceed as part of any class action and (2) waive the right to a trial by jury  single arbitrator. A final and binding award is subje sin single arbitrator. A final and binding award is subject to judicial review only as provided by single arbitrator. A final and binding award is subje single arbitrator. A final and binding award is subje single arbitrator. A final and binding award is subje single arbitrator. A final and binding award is subje gle arbitrator. A final and binding award is subject to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by
  the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the acc the account or any relationship arising from or related to the account. The word Claim ount or any relationship arising from or related to the account. The word Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect t representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim o any Claim as costs are allocated in arbitration by a single arbitrator. A ?nal and binding award 
                                                                                                                                                 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
   lationship arising from or related to the account. The word Claim includes, but is not 
 this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and of any and all Claims.  No Claim submitted to arbitration is heard by a jury or may be  the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having is subject to judicial review only as provided by the FAA. An arbitration award will be  the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having If you receive our ex If you receive our explanation but still believe your bill is wrong, you must write to us within If you receive our ex If you receive our explanation but still believe your bill is wrong, you must write to us within If you receive our ex If you receive our ex If you receive our ex planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within
  includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you a includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us nd us submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be
   limited to, any claim, controversy or dispute involving one or more of the following:                                                       Form of Payments Form of Payments Form of Payments Form of Payments Form of Payments Form of Payments Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 effect. effect. effect. effect. effect. effect. effect. brought as a class action or as a private attorney general.  You do not have the right to  jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as
  involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: arbitrated on an individual basis by a single arbitrat arbi arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority to resolve arbitrated on an individual basis by a single arbitrat arbitrated on an individual basis by a single arbitrat arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority to resolve arbitrated on an individual basis by a single arbitrat trated on an individual basis by a single arbitrator. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve enforceable under the FAA by any court having jurisdiction.
                                                                                                                                               Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payme Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payment  Paymen nt Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 t Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
     � the formation, application, enforceability, or interpretation of this Arbitration Pro- act as a class representative or participate as a member of a class of claimants with 
 Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and u Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make s alone, and the arbitrator�s authority to make Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination  Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell y delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the ou the
  � � � � � � � the  the  the  the  the  the  the  application,  application,  application,  vision or other part of the Agreement; application,  application,  application,  application,  enforceability,  enforceability,  enforceability,  enforceability,  enforceability,  enforceability,  enforceability,  or  or  or  or  or  or  or  interpretation  interpretation  interpretation  interpretation  interpretation  interpretation  interpretation  of  of  of  of  of  of  of  this  this  this  this  this  this  this  Arbitration  A Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  rbitration  Provision  Provision  Provision  Provision  Provision  Provision  Provision  or or or or or or or Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                      respect to any Claim submitted to arbitration (Class Action Waiver). Any Claim resolved  name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those we  reported  you  as  delinquent,  and  we  must  let  those
 on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the or changes in the Agreement and/or related agreements or programs, the account, and  changes in th changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the e Agreement and/or related agreements or programs, the account, and the
     other part of the Agreement other part of the Agreement; other part of the Agreement; other part of the Agreement other part of the Agreement other part of the Agreement; other part of the Agreement ; ; ; ; awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
    � any advertisements, solicitations, disclosures or other communications relating  by arbitration shall be arbitrated on an individual basis by a single arbitrator. The arbitra- the relationship between you and us concerning the account and related programs; (ii)  organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do not follow all of organizations know when the matter has been settled between us. If we do not follow all of organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do n ot follow all of ot follow all of ot follow all of ot follow all of ot follow all of
 or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by  be joined or consolidated in arbitration with Claims brought by relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  co relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) ncerning  the  account  and  related  programs;  (ii) Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
  � � � � � � � any  any  any  any  any  any  any  to the account, whether made before or after the account was opened; adver tisements,  adver tisements,  adver tisements,  adver tisements,  adver tisements,  adver tisements,  adver tisements,  solicitations,  solicitations,  solicitations,  solicitations,  solicitations,  solicitations,  solicitations,  disclosures  disclosures  disclosures  disclosures  disclosures  disclosures  disclosures  or  or  or  or  or  or  or  other  other  other  other  other  other  other  communications  communications  communications  communications  communications  communications  communications  tor�s authority to resolve Claims is limited to Claims between you and us alone, and  bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account,  the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your
 internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties.  otherwise agreed to in writing by all parties. ban bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or ban ban ban ban kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
     relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to t relating to the account, whether made before or after the account was opened; � the opening, administration and termination of the account; he account, whether made before or after the account was opened; the arbitrator�s authority to make awards is limited to you and us alone. Furthermore, 
                                                                        any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims or any amounts owed on the account. Any different agreement regarding arbitration of  any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims bill is correct. bill is correct. bill is correct. bill is correct. bill is correct. bill is correct. bill is correct.
 illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  deemed deemed deemed deemed deemed deemed deemed Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                     Sev Severability. The parties to this Arbitration Provision acknowledge that the Class Action Claims brought by you against us or by us against you may not be joined or consoli- Severability. The parties to this Arbitration Provision acknowledge that the Class Action Sev Sev Severability. The parties to this Arbitration Provision acknowledge that the Class Action Sev erability. The parties to this Arbitration Provision acknowledge that the Class Action erability. The parties to this Arbitration Provision acknowledge that the Class Action erability. The parties to this Arbitration Provision acknowledge that the Class Action erability. The parties to this Arbitration Provision acknowledge that the Class Action
  � � � � � � �   the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; � any transactions involving the account; must be agreed in writing. must be agreed in writing. Claims must be agreed in writing.
 an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other must be agreed in writing. must be agreed in writing. must be agreed in writing. must be agreed in writing. must be agreed in writing. Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                     Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and dated in arbitration with Claims brought by or against someone other than you, unless  Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and
 related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal � � � � � � �   any transactions involving the account; any transactions involving the account; any transactions involving the account; any transactions involving the acc any transactions involving the account; any transactions involving the account; any transactions involving the account; � any interest, fees and other charges to the account; ount; If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services that you have purchased with yo If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services th If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services that you have purchased with your credit at you have purchased with your credit ur credit Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
                                     is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided otherwise agreed to in writing by all parties. is non-severable from this Arbitration Provision. If the Class Actio is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided n Waiver is limited, voided Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document fo Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use r Future Use
     � any products or services (whether provided by us or a third party) related to or 
 use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
  � � � � � � � any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may
                                     or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for t Severability.  The parties to this Arbitration Provision acknowledge that the Class Action 
     offered in connection with the account; or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) his sentence) This This This This This This This notice notice notice notice notice notice notice tells you tells you tells you tells you tells you tells you tells you about about about about about about about your your your your your your your rights rights rights rights rights rights rights and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit
 indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, have the right not to pay the have the right not to pay the remaining amount due on the purchase. have the right not to pay the have the right not to pay the remaining amount due on the purchase. have the right not to pay the have the right not to pay the have the right not to pay the  remaining amount due on the purchase.  remaining amount due on the purchase.  remaining amount due on the purchase.  remaining amount due on the purchase.  remaining amount due on the purchase. Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculat Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 ing Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
  � � � � � � � any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  us  or  a  third  party)  related  to  or 
     � any use or disclosure of information about you or the account; shall be null and void with respect t shall be null and void with respect to such proceeding, subject to the right to appeal the Waiver is material and essential to the arbitration of any disputes between the parties  shall be null and void with respect to such proceeding, subject to the right to appeal the shall be null and void with respect t shall be null and void with respect t shall be null and void with respect to such proceeding, subject to the right to appeal the shall be null and void with respect t o such proceeding, subject to the right to appeal the o such proceeding, subject to the right to appeal the o such proceeding, subject to the right to appeal the o such proceeding, subject to the right to appeal the Billing Act. Billing Act. Billing Act. Billing Act. Billing Act. Billing Act. Billing Act.
                                                                                                            To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. offered in conn offered in connection with the account; offered in connection with the account; offered in conn offered in conn offered in connection with the account; offered in conn ection with the account; ection with the account; ection with the account; ection with the account; limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that and is non-severable from this Arbitration Provision.  If the Class Action Waiver is  limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that  Class Action Waiver. The parties acknowledge and agree that
     � any other matters relating to the account or your credit card relationship with us.
                                      limited, voided or found unenforceable, then the parties� agreement to arbitrate (except  What To Do If You Find A Mistake On Your Statement W What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement hat To Do If You Find A Mistake On Your Statement Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or 1. 1. 1. 1. 1. 1. 1. The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of 
  � � � � � � � All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Pro- any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account any use or disclosure of information about you or the account; ; under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration
                                                                        I f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box If you think there is an error on your statement, write to us at: BankCard Center, P.O. Box If you think there is an error on your statement, write to us at: BankCard Center, P.O. Box I I f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box If you think there is an error on your statement, write to us at: BankCard Center, P.O. Box f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box I f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you for this sentence) shall be null and void with respect to such proceeding, subject to  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than   
  � � � � � � � vision, regardless of whether the Claim: (i) previously existed, is now existing (whether  any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provisi Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be on, other than the Class Action Waiver, cannot be enforced, that portion will be
                                                                        1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) the right to appeal the limitation or invalidation of the Class Action Waiver.  The parties  $50.  $50.  $50.  $50.  $50.  $50.  $50.  (Note:  (Note:  (Note:  (Note:  (Note:  (Note:  (Note:  Neither  Neither  Neither  Neither  Neither  Neither  Neither  of  of  of  of  of  of  of  these  these these  these  these  these  these    is  is  is  is  is  is  is  necessary  necessary  necessary  necessary  necessary  necessary  necessary  if  if  if  if  if  if  if  your  your  your  your  your  your  your  purchase  purchase  purchase  purchase  purchase  purchase  purchase  was  was  was  was  was  was  was  based  based  based  based  based  based  based  on  on  on  on  on  on  on  an  an  an  an  an  an  an 
   discovered or undiscovered) or arises later; (ii) is based on a theory of contract, tort  severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of  severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. the Arbitration Provision will continue to apply. Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
  � � � � � � � any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. acknowledge and agree that under no circumstances will a class action be arbitrated.  a transaction dispute. You will need to give us the following information:  a transaction dispute. You will need to give us the following information:  a transaction dispute. You will need to give us the following information a transaction dispute. You will need to give us the following information:  a transaction dispute. You will need to give us the following information:  a transaction dispute. You will a transaction dispute. You will need to give us the following information:   need to give us the following information:  : 
 if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the 
   (including intentional tort), negligence, agency or other vicarious liability, fraud, statute,  A Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
  Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the f Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity oregoing, the word Claim does not include any challenge to the validity If any portion of this Arbitration Provision, other than the Class Action Waiver, cannot  Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve A A rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will re A rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve solve
 us such written information as us such written information as us such written information as us such written information as us such written information as us such written information as us such written information as  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation. � � � � � � � Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. good goods or services.) goods or services.) good good good good s or services.) s or services.) s or services.) s or services.) s or services.)
   regulation, constitution, or any other source of law or equity; (iii) seeks monetary dam-                                                     Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
  and effect of the Class Action Waiver set forth below, which must be decided by a co and effect of the Class Action Wai and effect of the Class Action Waiver set forth below, which must be decided by a court. and effect of the Class Action Waiver set forth below, which must be decided by a co and effect of the Class Action Waiver set forth below, which must be decided by a co and effect of the Class Action Waiver set forth below, which must be decided by a court. and effect of the Class Action Waiver set forth below, which must be decided by a co ver set forth below, which must be decided by a court. urt. urt. urt. urt. Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration be enforced, that portion will be severed, and the rest of the Arbitration Provision will  Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration � � � � � � � Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected e Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. rror. 2. 2. 2. 2. 2. 2. 2. You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash 
 Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that ages, or declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an  Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fe Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fee es  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 s  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
                                     Provision.  Provision.  continue to apply. Provision.  Provision.  Provision.  Provision.  Provision.  This  This  This  This  This  This  This  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Provision  Provision  Provision  Provision  Provision  Provision  Provision  will  will  will  will  will  will  will  govern  govern  govern  govern  govern  govern  govern  in  in  in  in  in  in  in  the  the  the  the  the  the  the  event  event  event  event  event  event  event  of  of  of  of  of  of  of  conflict  conflict  conflict  con conflict  conflict  conflict  flict  with  with  with  with  with  with  with  the the the the the the the
  All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitr All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, ation Provision, � � � � � � � Description of problem: If you think there i Description of problem: If you think there is an error on your bill, describe what you Description of problem: If you think there is an error on your bill, describe what you Description of problem: If you think there i Description of problem: If you think there i Description of problem: If you think there is an error on your bill, describe what you Description of problem: If you think there i s an error on your bill, describe what you s an error on your bill, describe what you s an error on your bill, describe what you s an error on your bill, describe what you advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do 
 occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs initial claim, counterclaim, crossclaim, interpleader action, third-party claim or other  Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
                                      Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will  Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be
  regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. not qualify. not qualify. not qualify. not qualify. not qualify. not qualify. not qualify.
 before you notify us.  before you notify us.  before you notify us.  before you notify us.  before you notify us.  before you notify us.  before you notify us.  action; or (v) is asserted as an individual claim or as part of a class action or other  Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
                                      limited by the Administrator�s rules and procedures. T limi resolve Claims pursuant to the rules and procedures of the Administrator and this Ar- limited by the Administrator�s rules and procedures. The arbitrator will apply applicable limited by the Administrator�s rules and procedures. T limited by the Administrator�s rules and procedures. T limited by the Administrator�s rules and procedures. The arbitrator will apply applicable limited by the Administrator�s rules and procedures. T ted by the Administrator�s rules and procedures. The arbitrator will apply applicable he arbitrator will apply applicable he arbitrator will apply applicable he arbitrator will apply applicable he arbitrator will apply applicable
  or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on  or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including a theory of contract, tort (including 3. 3. 3. 3. 3. 3. 3. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase.
   representative or collective action. (Any Claim asserted as part of a class action or other  You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: Notices Notices Notices Notices Notices Notices Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applicable statutes of limitations and honor bitration Provision. This Arbitration Provision will govern in the event of con?ict with  substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applica substantive law consistent with the FAA and applicable statutes of limitations and honor ble statutes of limitations and honor
  intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability,  intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, representative or collective action shall proceed in arbitration on an individual basis as  fraud, statute, regulation, If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all of the criteria above are me If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all of the criteria above are met and you are still dissatisfied with the purchase, contact us  of the criteria above are met and you are still dissatisfied with the purchase, contact us t and you are still dissatisfied with the purchase, contact us
                                     legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any the Administrator�s rules and procedures. Discovery procedures available to parties  legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any � � � � � � � Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Def Def Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 ault/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 ault/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION:  PLEASE READ THE FOLLOWING ARBITRATION PROVISION CARE- ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. constitution,  or  any  ot constitution,  or  any  other  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or constitution,  or  any  other  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or constitution,  or  any  ot constitution,  or  any  ot constitution,  or  any  other  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or constitution,  or  any  ot set forth below.) Joint Cardholders, applicants and authorized users on a single ac- her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 -1545. You may also -1545. You may also -1545. You may also -1545. You may also -1545. You may also
                                      will be limited by the Administrator�s rules and procedures. The arbitrator will apply  � � � � � � � At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days before an automated payment is scheduled, if  At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days bef At least 3 business days before an automated payment is scheduled, if you want to ore an automated payment is scheduled, if you want to you want to Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME FULLY. IT PROVIDES FOR MANDATORY ARBITRATION OF CONSUMER CLAIMS  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive r declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, count or multiple accounts for which the same Cardholders are legally responsible will  elief, or other remedy or relief; (iv) is asserted as an initial claim, damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided fo damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the r under applicable law, but only with respect to the contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While Credit Information Credit Information Credit Information Credit Information Credit Information Credit Information Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
                                      applicable substantive law consistent with the FAA and applicable statutes of limitations  stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong.
 EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  (SUBJECT TO SOME EXCEPTIONS), INSTEAD OF COURT PROCEEDINGS. IF YOU  EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  OF  OF  OF  OF  OF  OF  OF  COURT  COURT  COURT  COURT  COURT  COURT  COURT  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  IF  IF  IF  IF  IF  IF  IF  YOU  YOU  YOU  YOU  YOU  YOU  YOU  OR  OR  OR  OR  OR  OR  OR  WE  WE  WE  WE  WE  WE  WE  ELECT ELECT ELECT ELECT ELECT ELECT ELECT counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is be treated as one person for this purpose.  All questions about whether disputes are   is named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The ar named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision bitrator and this Arbitration Provision we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  Promotions Promotions Promotions Promotions Promotions Promotions Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
                                      and honor legally recognized claims of privilege.  The arbitrator will have the power to 
 ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO  ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or subject to arbitration shall be resolved by interpreting this arbitration provision in the  will not be will not be subject to federal, state, or local rules of procedure and evidence applicable to will not be subject to federal, state, or local rules of procedure and evidence applicable to will not be will not be will not be subject to federal, state, or local rules of procedure and evidence applicable to will not be  subject to federal, state, or local rules of procedure and evidence applicable to  subject to federal, state, or local rules of procedure and evidence applicable to  subject to federal, state, or local rules of procedure and evidence applicable to  subject to federal, state, or local rules of procedure and evidence applicable to You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in wr You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but iting (or electronically). You may call us, but
                                      award any damages or other relief that would be available in court and are permitted  After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our decision. At that point, if we After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our d After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our decision. At that point, if we think you ecision. At that point, if we think you  think you Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE  BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION collective action. (Any Claim asserted as part of a class action  collective acti collective action. (Any Claim asserted as part of a class action  collective action. (Any Claim asserted as part of a class action or other representative or collective action. (Any Claim asserted as part of a class action  collective action. (Any Claim asserted as part of a class action or other representative or collective action. (Any Claim asserted as part of a class action  broadest way the law will allow it to be enforced. on. (Any Claim asserted as part of a class action or other representative or or other representative or or other representative or or other representative or or other representative or lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an laws lawsuits or to state or local laws relating to arbitration. Either party may choose to have an uits or to state or local laws relating to arbitration. Either party may choose to have an if  if you do we are not required to investigate any potential errors; and you may have to pay if  if you do we are not required to investigate any potential errors; and you may have to pay if  if you do we are not required to investigate any potential errors; and you may have to pay if  you do we are not required to investigate any potential errors; and you may have to pay you do we are not required to investigate any potential errors; and you may have to pay you do we are not required to investigate any potential errors; and you may have to pay you do we are not required to investigate any potential errors; and you may have to pay
                                      under the terms and conditions of this Agreement, but only with respect to the named  owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT TH PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR IN A CLASS ACTION PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT  PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR AT MAY BE LIMITED OR collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individ collective action shall proceed in arbitration on an individual basis as set forth below). Joint Initiation of Arbitration. The party electing arbitration must use the arbitration adminis- ual basis as set forth below). Joint arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration  arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be hearing may be the amount in question. the amount in question. the amount in question. the amount in question. the amount in question. the amount in question. the amount in question.
                                      parties and the Claims being arbitrated.  The arbitrator and this Arbitration Provision will             Assignment Assignment Assignment Assignment Assignment Assignment Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO  UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for trator shown below and follow its rules and procedures, except as otherwise stated in  conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you not be subject to federal, state, or local rules of procedure and evidence applicable to  conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter Captions Captions Captions Captions Captions Captions Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOSE APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS CONDUCT DISCOVERY OR TO APPEAL. FEES AND EXPENSES OF ARBITRATION  APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS E E E E E E which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders a which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or this Arbitration Provision. Copies of its current rules, procedures, forms, and related  re legally responsible will be treated as one person or attend in person will occur at a place designated  attend in person will occur at a place designated by the Administrator at a location within lawsuits or to state or local laws relating to arbitration. Either party may choose to have  attend in person will occur at a place designated by the Administrator at a location within attend in person will occur at a place designated  attend in person will occur at a place designated  attend in person will occur at a place designated by the Administrator at a location within attend in person will occur at a place designated  by the Administrator at a location within by the Administrator at a location within by the Administrator at a location within by the Administrator at a location within When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two thin When we receive your letter, we must do two things: gs: Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 MAY BE HIGHER THAN THOSE ASSOCIATED WITH COURT PROCEEDINGS. THE 
 ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. information, including information about how to ?le a Claim, may be obtained by con- the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed an arbitration hearing and to be represented by counsel. An arbitration hearing may be  the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed 1. 1. 1. 1. 1. 1. 1. Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your lett Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  er, we must tell you that we received your letter.  Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 ARBITRATOR�S DECISION WILL BE BINDING, EXCEPT AS PROVIDED BELOW.
 BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. tacting the Administrator as follows:
  Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential conducted by telephone if the parties agree. Any participatory arbitration hearing that  upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error.  error. Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 Agreement to Arbitrate. Upon the election of either you or us, any Claims (as de?ned 
 Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and American Arbitration Association information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing you attend in person will occur at a place designated by the Administrator at a location  information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing 2. 2. 2. 2. 2. 2. 2. Within 90 days of receiving your letter,  Within 90 days of receiving your letter, we must either correct the error or explain to  Within 90 days of receiving your letter,  Within 90 days of receiving your letter, we must either correct the error or explain to  Within 90 days of receiving your letter,  Within 90 days of receiving your letter, we must either correct the error or explain to  Within 90 days of receiving your letter,  we must either correct the error or explain to  we must either correct the error or explain to  we must either correct the error or explain to  we must either correct the error or explain to  Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 below), except for Claims ?led in a small claims court, may be resolved by manda-
 below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court,  below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, may be resolved by mandatory, related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: Case Filing Services and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. within the federal judicial district that includes your billing address or at some other  and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 tory, binding arbitration. The small claims court exclusion applies only so long as 
                                                                                                                                               BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10
 7 7 7 7 7 7 7   8 8 8 8 8 8 8                      9 9 9 9 9                          10 10 10 10 10 10 10 M-105907  4/12 11 11 11 11 11 11 11 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221
 other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the d binding arbitration. The small claims court exclusion applies only so long as the dispute the dispute remains in the small claims court and is an individual (non-class, non-rep- ispute 1101 Laurel Oak Road, Suite 100 JAMS JAMS JAMS JAMS JAMS JAMS JAMS Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitration will pay the initial filing fee, except that place agreed upon by you and us. The arbitrator will use reasonable efforts to protect  Costs of Arbitration. The party filing for arbitration will pay the initial filing fee, except that Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitra tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error:
                                                                                                                CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT
 must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. resentative) Claim. If a Claim asserted in small claims court is transferred or appealed  1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 Voorhees, NJ  08043 you  you  con?dential information if requested to do so by any party. The arbitrator will make  you  you  you  you  you  may  may  may  may  may  may  may  seek  seek  seek  seek  seek  seek  seek  a  a  a  a  a  a  a  waiver  waiver  waiver  waiver  waiver  waiver  waiver  of  of  of  of  of  of  of  the  the  the  the  the  the  the  filing  filing  filing  filing  filing  filing  filing  fee  fee  fee  fee  fee  fee  fee  and/or  and/or  and/or  and/or  and/or  and/or  and/or  other  other  other  other  other  other  other  arbitration  arbitration  arbitration  arbitration  arbitration  arbitration  arbitration  fees  fees  fees  fees  fees  fees  fees  under  under  under  under  under  under  under  the the the the the the the � � � � � � � We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as delinquent on that We cannot try to collect the amount in question, or report you as delinquent on that We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as  delinquent on that  delinquent on that  delinquent on that  delinquent on that  delinquent on that
 accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or  If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either to a different court, either you or we may then elect mandatory, binding arbitration  appealed to a different court, either Toll free number:  877-495-4185 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify any award in writing and, upon a timely written request, provide a written statement of  Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify amount. amount. amount. amount. amount. amount. amount. and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act
 account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration pursuant to this Arbitration Provision. This Arbitration Provision is made pursuant to a  this  Arbitration www.jamsadr.com http://www.adr.org www.jamsadr.com www.jamsadr.com www.jamsadr.com www.jamsadr.com www.jamsadr.com www.jamsadr.com for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you reasons for the award. for, a waiver, we will c for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you onsider any written request by you for us to pay or reimburse you � � � � � � � The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing Provision. This Arbitration Provis Provision. This Arbitration Provision is made pursuant to a transaction involving interstate Provision. This Arbitration Provis Provision. This Arbitration Provision is made pursuant to a transaction involving interstate Provision. This Arbitration Provis Provision. This Arbitration Provision is made pursuant to a transaction involving interstate Provision. This Arbitration Provis transaction involving interstate commerce and shall be governed by and enforceable  ion is made pursuant to a transaction involving interstate ion is made pursuant to a transaction involving interstate ion is made pursuant to a transaction involving interstate ion is made pursuant to a transaction involving interstate Except for the small claims court exclusion set forth above, either you or we may ask  1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s F for all or part of the Administrator�s Fees. If you pay the initial filing fee and you prevail in Costs of Arbitration. You and we will be responsible for paying the fees of the arbitrator  for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre ees. If you pay the initial filing fee and you prevail in vail in vail in vail in vail in vail in charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be govern commerce and shall be governed by and enforceable under the Federal Arbitration Act (the under the Federal Arbitration Act (the FAA). ed by and enforceable under the Federal Arbitration Act (the an appropriate court to compel arbitration, or stay litigation pending arbitration, of any 
  Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you and any administrative fees charged by the Administrator according to the rules and  the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you � � � � � � � While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 a new charge. a new charge. a new charge. a new charge. a new charge. a new charge. a new charge. �FAA�). �FAA�). �FAA�). �FAA�). �FAA�). �FAA�). �FAA�). De?nitions for Arbitration Provision. As used in this Arbitration Provision, the following  Claim, even if the Claim is part of a lawsuit in court. A party who has asserted a Claim  for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason procedures of the Administrator. We will also pay or reimburse you for all or part of  for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance.
  appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 terms have the following de?nitions. The words we, our, and us mean First Tennessee  in a lawsuit may nevertheless elect mandatory arbitration with respect to any Claims 
 Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following  Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms terms other arbitration fees, if the arbitrator determines there is good reason to do so, and we 
  even if the Claim is part of a lawsuit in court. A party wh even if t even if the Claim is part of a lawsuit in court. A party who has asserted a Claim in a lawsuit even if the Claim is part of a lawsuit in court. A party wh even if the Claim is part of a lawsuit in court. A party wh even if the Claim is part of a lawsuit in court. A party who has asserted a Claim in a lawsuit even if the Claim is part of a lawsuit in court. A party wh he Claim is part of a lawsuit in court. A party who has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, wh to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. ich we are required to pay by law. � � � � � � � We can apply any unpaid amount against your credit limit. We can apply any unpaid amoun We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. t against your credit limit. Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard  Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 Bank National Association (which also is branded as First Horizon), its parent company,  subsequently asserted in that lawsuit by any other party. Delay in exercising these  will pay any fees and costs, which we are required to pay by law or by the rules and 
 debt you owe us. debt you owe us. debt you owe us. debt you owe us. debt you owe us. debt you owe us. debt you owe us. have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with r may nevertheless elect mandatory arbitration with respect to any Claims subsequently espect to any Claims subsequently Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who p Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that revails, except that After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 and their direct and indirect subsidiaries and af?liates, together with their employees,  rights shall not waive such rights. Failure to exercise arbitration rights with respect to a  procedures of the Administrator.  In addition, in the event that you receive an arbitration 
 Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient National Association (which also is branded as First Horizon), its  National Associat National Association (which also is branded as First Horizon), its parent company, and their National Association (which also is branded as First Horizon), its  National Association (which also is branded as First Horizon), its  National Association (which also is branded as First Horizon), its parent company, and their National Association (which also is branded as First Horizon), its  ion (which also is branded as First Horizon), its parent company, and their parent company, and their parent company, and their parent company, and their parent company, and their asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive a party may recover them from  a party may recover them from another party if the arbitrator determines that applicable law a party may recover them from another party if the arbitrator determines that applicable law a party may recover them from  a party may recover them from  a party may recover them from  a party may recover them from  another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law � � � � � � � If we made a mistake: You will n If we made a mistake: You will not have to pay the amount in question or any interest If we made a mistake: You will not have to pay the amount in question or any interest If we made a mistake: You will n If we made a mistake: You will n If we made a mistake: You will n If we made a mistake: You will n ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 of?cers, directors, successors, and assigns. The words you, your, and yours refer to  particular Claim shall not waive your right or our right to demand arbitration of any other  award that is greater than our last written settlement offer, the arbitrator shall have the 
 reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  wit direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, h  their  employees,  officers, so requires. so requires. so requires. so requires. so requires. so requires. so requires. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 any Consumer applicant, co-applicant, authorized user of the account, or legal repre- such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not Claim.  If the Administrator declines to administer a Claim in arbitration, then either party  such rights. Failure to exercise  such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not arbitration rights with respect to a particular Claim shall not discretion to require us to pay your attorneys� fees and costs. Otherwise, each party will 
 directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant,
  waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand ar waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. bitration of any other Claim. Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a � � � � � � � If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND sentative of any of the foregoing, and anyone claiming through such person or incident  shall have the right to proceed with the Claim as a lawsuit in court, in which case the  bear its own attorneys� fees and costs, regardless of who prevails.
 co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the acco co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, unt, or legal representative of any of the foregoing,
 to the account..  The word �Consumer� means a natural person who holds an account  Class Action Waiver set forth below still applies. party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Ad party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s ministrator�s along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statemen along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount t of the amount Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND Class Action Waiver.  Class Action Waiver. No Claim submitted to arbitration is heard by a jury or may be brought Class Action Waiver. No Claim submitted to arbitration is heard by a jury or may be brought Class Action Waiver.  Class Action Waiver.  Class Action Waiver. No Claim submitted to arbitration is heard by a jury or may be brought Class Action Waiver.  No Claim submitted to arbitration is heard by a jury or may be brought No Claim submitted to arbitration is heard by a jury or may be brought No Claim submitted to arbitration is heard by a jury or may be brought No Claim submitted to arbitration is heard by a jury or may be brought
 and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident  and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means to the account. The word Claim means Finality of Arbitration. The arbitrator�s decision is ?nal and binding on the parties, except 
                                                                           you owe and the date payment is due. We may then report you as delinquent if you you owe and th you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you e date payment is due. We may then report you as delinquent if you Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this primarily for personal, family or household purposes. The word Claim means any claim,  Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) waive  rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a
 any claim, con any claim, controversy, or dispute of any kind between you and us arising from or relating to any claim, controversy, or dispute of any kind between you and us arising from or relating to any claim, con any claim, con any claim, controversy, or dispute of any kind between you and us arising from or relating to any claim, con troversy, or dispute of any kind between you and us arising from or relating to troversy, or dispute of any kind between you and us arising from or relating to troversy, or dispute of any kind between you and us arising from or relating to troversy, or dispute of any kind between you and us arising from or relating to as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class actio as a class action or as a private attorney general. You do not have the right to act as a class n or as a private attorney general. You do not have the right to act as a class for any right of appeal provided by the FAA. Costs will be allocated in the same way 
                                                                           do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. New Balance New Balance New Balance New Balance New Balance New Balance New Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of controversy, or dispute of any kind arising from or relating to the account or any re- the right to proceed as part of any class action and (2) waive the right to a trial by jury  single arbitrator. A final and binding award is subje sin single arbitrator. A final and binding award is subject to judicial review only as provided by single arbitrator. A final and binding award is subje single arbitrator. A final and binding award is subje single arbitrator. A final and binding award is subje single arbitrator. A final and binding award is subje gle arbitrator. A final and binding award is subject to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by
 the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the acc the account or any relationship arising from or related to the account. The word Claim ount or any relationship arising from or related to the account. The word Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect t representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim o any Claim as costs are allocated in arbitration by a single arbitrator. A ?nal and binding award  Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 lationship arising from or related to the account. The word Claim includes, but is not 
 this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and of any and all Claims.  No Claim submitted to arbitration is heard by a jury or may be  the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having is subject to judicial review only as provided by the FAA. An arbitration award will be  the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having If you receive our ex If you receive our explanation but still believe your bill is wrong, you must write to us within If you receive our ex If you receive our explanation but still believe your bill is wrong, you must write to us within If you receive our ex If you receive our ex If you receive our ex planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within
 includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you a includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us nd us submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be
 limited to, any claim, controversy or dispute involving one or more of the following:                      Form of Payments Form of Payments Form of Payments Form of Payments Form of Payments Form of Payments Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 effect. effect. effect. effect. effect. effect. effect. brought as a class action or as a private attorney general.  You do not have the right to  jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as
 involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: arbitrated on an individual basis by a single arbitrat arbi arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority to resolve arbitrated on an individual basis by a single arbitrat arbitrated on an individual basis by a single arbitrat arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority to resolve arbitrated on an individual basis by a single arbitrat trated on an individual basis by a single arbitrator. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve enforceable under the FAA by any court having jurisdiction.
                                                                                                            Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payme Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payment  Paymen nt Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 t Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
   � the formation, application, enforceability, or interpretation of this Arbitration Pro- act as a class representative or participate as a member of a class of claimants with 
 Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and u Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make s alone, and the arbitrator�s authority to make Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination  Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell y delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the ou the
 � � � � � � � the  the  the  the  the  the  the  application,  application,  application,  vision or other part of the Agreement; application,  application,  application,  application,  enforceability,  enforceability,  enforceability,  enforceability,  enforceability,  enforceability,  enforceability,  or  or  or  or  or  or  or  interpretation  interpretation  interpretation  interpretation  interpretation  interpretation  interpretation  of  of  of  of  of  of  of  this  this  this  this  this  this  this  Arbitration  A Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  rbitration  Provision  Provision  Provision  Provision  Provision  Provision  Provision  or or or or or or or Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
  respect to any Claim submitted to arbitration (Class Action Waiver). Any Claim resolved  name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those we  reported  you  as  delinquent,  and  we  must  let  those
 on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the or changes in the Agreement and/or related agreements or programs, the account, and  changes in th changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the e Agreement and/or related agreements or programs, the account, and the
   other part of the Agreement other part of the Agreement; other part of the Agreement; other part of the Agreement other part of the Agreement other part of the Agreement; other part of the Agreement ; ; ; ; awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 � any advertisements, solicitations, disclosures or other communications relating  by arbitration shall be arbitrated on an individual basis by a single arbitrator. The arbitra- the relationship between you and us concerning the account and related programs; (ii)  organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do not follow all of organizations know when the matter has been settled between us. If we do not follow all of organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do n ot follow all of ot follow all of ot follow all of ot follow all of ot follow all of
 or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by  be joined or consolidated in arbitration with Claims brought by relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  co relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) ncerning  the  account  and  related  programs;  (ii) Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 � � � � � � � any  any  any  any  any  any  any  to the account, whether made before or after the account was opened; adver tisements,  adver tisements,  adver tisements,  adver tisements,  adver tisements,  adver tisements,  adver tisements,  solicitations,  solicitations,  solicitations,  solicitations,  solicitations,  solicitations,  solicitations,  disclosures  disclosures  disclosures  disclosures  disclosures  disclosures  disclosures  or  or  or  or  or  or  or  other  other  other  other  other  other  other  communications  communications  communications  communications  communications  communications  communications  tor�s authority to resolve Claims is limited to Claims between you and us alone, and  bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account,  the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your
 internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties.  otherwise agreed to in writing by all parties. ban bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or ban ban ban ban kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
   relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to t relating to the account, whether made before or after the account was opened; � the opening, administration and termination of the account; he account, whether made before or after the account was opened; the arbitrator�s authority to make awards is limited to you and us alone. Furthermore, 
                                     any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims or any amounts owed on the account. Any different agreement regarding arbitration of  any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims bill is correct. bill is correct. bill is correct. bill is correct. bill is correct. bill is correct. bill is correct.
 illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  deemed deemed deemed deemed deemed deemed deemed Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
  Sev Severability. The parties to this Arbitration Provision acknowledge that the Class Action Claims brought by you against us or by us against you may not be joined or consoli- Severability. The parties to this Arbitration Provision acknowledge that the Class Action Sev Sev Severability. The parties to this Arbitration Provision acknowledge that the Class Action Sev erability. The parties to this Arbitration Provision acknowledge that the Class Action erability. The parties to this Arbitration Provision acknowledge that the Class Action erability. The parties to this Arbitration Provision acknowledge that the Class Action erability. The parties to this Arbitration Provision acknowledge that the Class Action
 � � � � � � �   the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; � any transactions involving the account; must be agreed in writing. must be agreed in writing. Claims must be agreed in writing.
 an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other must be agreed in writing. must be agreed in writing. must be agreed in writing. must be agreed in writing. must be agreed in writing. Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
  Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and dated in arbitration with Claims brought by or against someone other than you, unless  Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and
 related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal � � � � � � �   any transactions involving the account; any transactions involving the account; any transactions involving the account; any transactions involving the acc any transactions involving the account; any transactions involving the account; any transactions involving the account; � any interest, fees and other charges to the account; ount; If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services that you have purchased with yo If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services th If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services that you have purchased with your credit at you have purchased with your credit ur credit Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
  is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided otherwise agreed to in writing by all parties. is non-severable from this Arbitration Provision. If the Class Actio is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided n Waiver is limited, voided Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document fo Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use r Future Use
   � any products or services (whether provided by us or a third party) related to or 
 use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 � � � � � � � any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may
  or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for t Severability.  The parties to this Arbitration Provision acknowledge that the Class Action 
 offered in connection with the account; or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) his sentence) This This This This This This This notice notice notice notice notice notice notice tells you tells you tells you tells you tells you tells you tells you about about about about about about about your your your your your your your rights rights rights rights rights rights rights and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit
 indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, have the right not to pay the have the right not to pay the remaining amount due on the purchase. have the right not to pay the have the right not to pay the remaining amount due on the purchase. have the right not to pay the have the right not to pay the have the right not to pay the  remaining amount due on the purchase.  remaining amount due on the purchase.  remaining amount due on the purchase.  remaining amount due on the purchase.  remaining amount due on the purchase. Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculat Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 ing Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 � � � � � � � any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  us  or  a  third  party)  related  to  or 
   � any use or disclosure of information about you or the account; shall be null and void with respect t shall be null and void with respect to such proceeding, subject to the right to appeal the Waiver is material and essential to the arbitration of any disputes between the parties  shall be null and void with respect to such proceeding, subject to the right to appeal the shall be null and void with respect t shall be null and void with respect t shall be null and void with respect to such proceeding, subject to the right to appeal the shall be null and void with respect t o such proceeding, subject to the right to appeal the o such proceeding, subject to the right to appeal the o such proceeding, subject to the right to appeal the o such proceeding, subject to the right to appeal the Billing Act. Billing Act. Billing Act. Billing Act. Billing Act. Billing Act. Billing Act.
                                                                        To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. offered in conn offered in connection with the account; offered in connection with the account; offered in conn offered in conn offered in connection with the account; offered in conn ection with the account; ection with the account; ection with the account; ection with the account; limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that and is non-severable from this Arbitration Provision.  If the Class Action Waiver is  limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that  Class Action Waiver. The parties acknowledge and agree that
   � any other matters relating to the account or your credit card relationship with us.
  limited, voided or found unenforceable, then the parties� agreement to arbitrate (except  What To Do If You Find A Mistake On Your Statement W What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement hat To Do If You Find A Mistake On Your Statement Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or 1. 1. 1. 1. 1. 1. 1. The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of 
 � � � � � � � All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Pro- any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account any use or disclosure of information about you or the account; ; under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration
                                     I f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box If you think there is an error on your statement, write to us at: BankCard Center, P.O. Box If you think there is an error on your statement, write to us at: BankCard Center, P.O. Box I I f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box If you think there is an error on your statement, write to us at: BankCard Center, P.O. Box f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box I f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you for this sentence) shall be null and void with respect to such proceeding, subject to  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than   
 � � � � � � � vision, regardless of whether the Claim: (i) previously existed, is now existing (whether  any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provisi Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be on, other than the Class Action Waiver, cannot be enforced, that portion will be
                                     1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) the right to appeal the limitation or invalidation of the Class Action Waiver.  The parties  $50.  $50.  $50.  $50.  $50.  $50.  $50.  (Note:  (Note:  (Note:  (Note:  (Note:  (Note:  (Note:  Neither  Neither  Neither  Neither  Neither  Neither  Neither  of  of  of  of  of  of  of  these  these these  these  these  these  these    is  is  is  is  is  is  is  necessary  necessary  necessary  necessary  necessary  necessary  necessary  if  if  if  if  if  if  if  your  your  your  your  your  your  your  purchase  purchase  purchase  purchase  purchase  purchase  purchase  was  was  was  was  was  was  was  based  based  based  based  based  based  based  on  on  on  on  on  on  on  an  an  an  an  an  an  an 
 discovered or undiscovered) or arises later; (ii) is based on a theory of contract, tort  severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of  severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. the Arbitration Provision will continue to apply. Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 � � � � � � � any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. acknowledge and agree that under no circumstances will a class action be arbitrated.  a transaction dispute. You will need to give us the following information:  a transaction dispute. You will need to give us the following information:  a transaction dispute. You will need to give us the following information a transaction dispute. You will need to give us the following information:  a transaction dispute. You will need to give us the following information:  a transaction dispute. You will a transaction dispute. You will need to give us the following information:   need to give us the following information:  : 
 if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the 
 (including intentional tort), negligence, agency or other vicarious liability, fraud, statute,  A Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the f Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity oregoing, the word Claim does not include any challenge to the validity If any portion of this Arbitration Provision, other than the Class Action Waiver, cannot  Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve A A rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will re A rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve solve
 us such written information as us such written information as us such written information as us such written information as us such written information as us such written information as us such written information as  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation. � � � � � � � Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. good goods or services.) goods or services.) good good good good s or services.) s or services.) s or services.) s or services.) s or services.)
 regulation, constitution, or any other source of law or equity; (iii) seeks monetary dam-                    Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 and effect of the Class Action Waiver set forth below, which must be decided by a co and effect of the Class Action Wai and effect of the Class Action Waiver set forth below, which must be decided by a court. and effect of the Class Action Waiver set forth below, which must be decided by a co and effect of the Class Action Waiver set forth below, which must be decided by a co and effect of the Class Action Waiver set forth below, which must be decided by a court. and effect of the Class Action Waiver set forth below, which must be decided by a co ver set forth below, which must be decided by a court. urt. urt. urt. urt. Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration be enforced, that portion will be severed, and the rest of the Arbitration Provision will  Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration � � � � � � � Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected e Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. rror. 2. 2. 2. 2. 2. 2. 2. You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash 
 Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that ages, or declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an  Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fe Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fee es  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 s  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
  Provision.  Provision.  continue to apply. Provision.  Provision.  Provision.  Provision.  Provision.  This  This  This  This  This  This  This  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Provision  Provision  Provision  Provision  Provision  Provision  Provision  will  will  will  will  will  will  will  govern  govern  govern  govern  govern  govern  govern  in  in  in  in  in  in  in  the  the  the  the  the  the  the  event  event  event  event  event  event  event  of  of  of  of  of  of  of  conflict  conflict  conflict  con conflict  conflict  conflict  flict  with  with  with  with  with  with  with  the the the the the the the
 All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitr All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, ation Provision, � � � � � � � Description of problem: If you think there i Description of problem: If you think there is an error on your bill, describe what you Description of problem: If you think there is an error on your bill, describe what you Description of problem: If you think there i Description of problem: If you think there i Description of problem: If you think there is an error on your bill, describe what you Description of problem: If you think there i s an error on your bill, describe what you s an error on your bill, describe what you s an error on your bill, describe what you s an error on your bill, describe what you advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do 
 occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs initial claim, counterclaim, crossclaim, interpleader action, third-party claim or other  Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
  Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will  Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be
 regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. not qualify. not qualify. not qualify. not qualify. not qualify. not qualify. not qualify.
 before you notify us.  before you notify us.  before you notify us.  before you notify us.  before you notify us.  before you notify us.  before you notify us.  action; or (v) is asserted as an individual claim or as part of a class action or other  Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
  limited by the Administrator�s rules and procedures. T limi resolve Claims pursuant to the rules and procedures of the Administrator and this Ar- limited by the Administrator�s rules and procedures. The arbitrator will apply applicable limited by the Administrator�s rules and procedures. T limited by the Administrator�s rules and procedures. T limited by the Administrator�s rules and procedures. The arbitrator will apply applicable limited by the Administrator�s rules and procedures. T ted by the Administrator�s rules and procedures. The arbitrator will apply applicable he arbitrator will apply applicable he arbitrator will apply applicable he arbitrator will apply applicable he arbitrator will apply applicable
 or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on  or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including a theory of contract, tort (including 3. 3. 3. 3. 3. 3. 3. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase.
 representative or collective action. (Any Claim asserted as part of a class action or other  You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: Notices Notices Notices Notices Notices Notices Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applicable statutes of limitations and honor bitration Provision. This Arbitration Provision will govern in the event of con?ict with  substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applica substantive law consistent with the FAA and applicable statutes of limitations and honor ble statutes of limitations and honor
 intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability,  intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, representative or collective action shall proceed in arbitration on an individual basis as  fraud, statute, regulation, If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all of the criteria above are me If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all of the criteria above are met and you are still dissatisfied with the purchase, contact us  of the criteria above are met and you are still dissatisfied with the purchase, contact us t and you are still dissatisfied with the purchase, contact us
  legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any the Administrator�s rules and procedures. Discovery procedures available to parties  legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any � � � � � � � Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Def Def Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 ault/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 ault/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION:  PLEASE READ THE FOLLOWING ARBITRATION PROVISION CARE- ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. constitution,  or  any  ot constitution,  or  any  other  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or constitution,  or  any  other  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or constitution,  or  any  ot constitution,  or  any  ot constitution,  or  any  other  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or constitution,  or  any  ot set forth below.) Joint Cardholders, applicants and authorized users on a single ac- her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 -1545. You may also -1545. You may also -1545. You may also -1545. You may also -1545. You may also
  will be limited by the Administrator�s rules and procedures. The arbitrator will apply  � � � � � � � At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days before an automated payment is scheduled, if  At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days bef At least 3 business days before an automated payment is scheduled, if you want to ore an automated payment is scheduled, if you want to you want to Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME FULLY. IT PROVIDES FOR MANDATORY ARBITRATION OF CONSUMER CLAIMS  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive r declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, count or multiple accounts for which the same Cardholders are legally responsible will  elief, or other remedy or relief; (iv) is asserted as an initial claim, damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided fo damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the r under applicable law, but only with respect to the contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While Credit Information Credit Information Credit Information Credit Information Credit Information Credit Information Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
  applicable substantive law consistent with the FAA and applicable statutes of limitations  stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong.
 EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  (SUBJECT TO SOME EXCEPTIONS), INSTEAD OF COURT PROCEEDINGS. IF YOU  EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  OF  OF  OF  OF  OF  OF  OF  COURT  COURT  COURT  COURT  COURT  COURT  COURT  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  IF  IF  IF  IF  IF  IF  IF  YOU  YOU  YOU  YOU  YOU  YOU  YOU  OR  OR  OR  OR  OR  OR  OR  WE  WE  WE  WE  WE  WE  WE  ELECT ELECT ELECT ELECT ELECT ELECT ELECT counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is be treated as one person for this purpose.  All questions about whether disputes are   is named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The ar named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision bitrator and this Arbitration Provision we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  Promotions Promotions Promotions Promotions Promotions Promotions Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
  and honor legally recognized claims of privilege.  The arbitrator will have the power to 
 ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO  ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or subject to arbitration shall be resolved by interpreting this arbitration provision in the  will not be will not be subject to federal, state, or local rules of procedure and evidence applicable to will not be subject to federal, state, or local rules of procedure and evidence applicable to will not be will not be will not be subject to federal, state, or local rules of procedure and evidence applicable to will not be  subject to federal, state, or local rules of procedure and evidence applicable to  subject to federal, state, or local rules of procedure and evidence applicable to  subject to federal, state, or local rules of procedure and evidence applicable to  subject to federal, state, or local rules of procedure and evidence applicable to You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in wr You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but iting (or electronically). You may call us, but
  award any damages or other relief that would be available in court and are permitted  After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our decision. At that point, if we After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our d After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our decision. At that point, if we think you ecision. At that point, if we think you  think you Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE  BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION collective action. (Any Claim asserted as part of a class action  collective acti collective action. (Any Claim asserted as part of a class action  collective action. (Any Claim asserted as part of a class action or other representative or collective action. (Any Claim asserted as part of a class action  collective action. (Any Claim asserted as part of a class action or other representative or collective action. (Any Claim asserted as part of a class action  broadest way the law will allow it to be enforced. on. (Any Claim asserted as part of a class action or other representative or or other representative or or other representative or or other representative or or other representative or lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an laws lawsuits or to state or local laws relating to arbitration. Either party may choose to have an uits or to state or local laws relating to arbitration. Either party may choose to have an if  if you do we are not required to investigate any potential errors; and you may have to pay if  if you do we are not required to investigate any potential errors; and you may have to pay if  if you do we are not required to investigate any potential errors; and you may have to pay if  you do we are not required to investigate any potential errors; and you may have to pay you do we are not required to investigate any potential errors; and you may have to pay you do we are not required to investigate any potential errors; and you may have to pay you do we are not required to investigate any potential errors; and you may have to pay
  under the terms and conditions of this Agreement, but only with respect to the named  owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT TH PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR IN A CLASS ACTION PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT  PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR AT MAY BE LIMITED OR collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individ collective action shall proceed in arbitration on an individual basis as set forth below). Joint Initiation of Arbitration. The party electing arbitration must use the arbitration adminis- ual basis as set forth below). Joint arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration  arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be hearing may be the amount in question. the amount in question. the amount in question. the amount in question. the amount in question. the amount in question. the amount in question.
  parties and the Claims being arbitrated.  The arbitrator and this Arbitration Provision will              Assignment Assignment Assignment Assignment Assignment Assignment Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO  UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for trator shown below and follow its rules and procedures, except as otherwise stated in  conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you not be subject to federal, state, or local rules of procedure and evidence applicable to  conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter Captions Captions Captions Captions Captions Captions Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOSE APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS CONDUCT DISCOVERY OR TO APPEAL. FEES AND EXPENSES OF ARBITRATION  APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS E E E E E E which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders a which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or this Arbitration Provision. Copies of its current rules, procedures, forms, and related  re legally responsible will be treated as one person or attend in person will occur at a place designated  attend in person will occur at a place designated by the Administrator at a location within lawsuits or to state or local laws relating to arbitration. Either party may choose to have  attend in person will occur at a place designated by the Administrator at a location within attend in person will occur at a place designated  attend in person will occur at a place designated  attend in person will occur at a place designated by the Administrator at a location within attend in person will occur at a place designated  by the Administrator at a location within by the Administrator at a location within by the Administrator at a location within by the Administrator at a location within When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two thin When we receive your letter, we must do two things: gs: Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 MAY BE HIGHER THAN THOSE ASSOCIATED WITH COURT PROCEEDINGS. THE 
 ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. information, including information about how to ?le a Claim, may be obtained by con- the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed an arbitration hearing and to be represented by counsel. An arbitration hearing may be  the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed 1. 1. 1. 1. 1. 1. 1. Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your lett Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  er, we must tell you that we received your letter.  Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 ARBITRATOR�S DECISION WILL BE BINDING, EXCEPT AS PROVIDED BELOW.
 BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. tacting the Administrator as follows:
 Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential conducted by telephone if the parties agree. Any participatory arbitration hearing that  upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error.  error. Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 Agreement to Arbitrate. Upon the election of either you or us, any Claims (as de?ned 
 Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and American Arbitration Association information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing you attend in person will occur at a place designated by the Administrator at a location  information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing 2. 2. 2. 2. 2. 2. 2. Within 90 days of receiving your letter,  Within 90 days of receiving your letter, we must either correct the error or explain to  Within 90 days of receiving your letter,  Within 90 days of receiving your letter, we must either correct the error or explain to  Within 90 days of receiving your letter,  Within 90 days of receiving your letter, we must either correct the error or explain to  Within 90 days of receiving your letter,  we must either correct the error or explain to  we must either correct the error or explain to  we must either correct the error or explain to  we must either correct the error or explain to  Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 below), except for Claims ?led in a small claims court, may be resolved by manda-
 below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court,  below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, may be resolved by mandatory, related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: Case Filing Services and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. within the federal judicial district that includes your billing address or at some other  and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 tory, binding arbitration. The small claims court exclusion applies only so long as 
                                                                                                            BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10
 7 7 7 7 7 7 7 8 8 8 8 8 8 8 9 9 9 9 9             10 10 10 10 10 10 10  M-105907  4/12 11 11 11 11 11 11 11 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221
 other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the d binding arbitration. The small claims court exclusion applies only so long as the dispute the dispute remains in the small claims court and is an individual (non-class, non-rep- ispute 1101 Laurel Oak Road, Suite 100 JAMS JAMS JAMS JAMS JAMS JAMS JAMS Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitration will pay the initial filing fee, except that place agreed upon by you and us. The arbitrator will use reasonable efforts to protect  Costs of Arbitration. The party filing for arbitration will pay the initial filing fee, except that Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitra tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error:
                                                                             CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT
 must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. resentative) Claim. If a Claim asserted in small claims court is transferred or appealed  1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 Voorhees, NJ  08043 you  you  con?dential information if requested to do so by any party. The arbitrator will make  you  you  you  you  you  may  may  may  may  may  may  may  seek  seek  seek  seek  seek  seek  seek  a  a  a  a  a  a  a  waiver  waiver  waiver  waiver  waiver  waiver  waiver  of  of  of  of  of  of  of  the  the  the  the  the  the  the  filing  filing  filing  filing  filing  filing  filing  fee  fee  fee  fee  fee  fee  fee  and/or  and/or  and/or  and/or  and/or  and/or  and/or  other  other  other  other  other  other  other  arbitration  arbitration  arbitration  arbitration  arbitration  arbitration  arbitration  fees  fees  fees  fees  fees  fees  fees  under  under  under  under  under  under  under  the the the the the the the � � � � � � � We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as delinquent on that We cannot try to collect the amount in question, or report you as delinquent on that We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as  delinquent on that  delinquent on that  delinquent on that  delinquent on that  delinquent on that
 accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or  If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either to a different court, either you or we may then elect mandatory, binding arbitration  appealed to a different court, either Toll free number:  877-495-4185 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify any award in writing and, upon a timely written request, provide a written statement of  Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify amount. amount. amount. amount. amount. amount. amount. and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act
 account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration pursuant to this Arbitration Provision. This Arbitration Provision is made pursuant to a  this  Arbitration www.jamsadr.com http://www.adr.org www.jamsadr.com www.jamsadr.com www.jamsadr.com www.jamsadr.com www.jamsadr.com www.jamsadr.com for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you reasons for the award. for, a waiver, we will c for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you onsider any written request by you for us to pay or reimburse you � � � � � � � The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing Provision. This Arbitration Provis Provision. This Arbitration Provision is made pursuant to a transaction involving interstate Provision. This Arbitration Provis Provision. This Arbitration Provision is made pursuant to a transaction involving interstate Provision. This Arbitration Provis Provision. This Arbitration Provision is made pursuant to a transaction involving interstate Provision. This Arbitration Provis transaction involving interstate commerce and shall be governed by and enforceable  ion is made pursuant to a transaction involving interstate ion is made pursuant to a transaction involving interstate ion is made pursuant to a transaction involving interstate ion is made pursuant to a transaction involving interstate Except for the small claims court exclusion set forth above, either you or we may ask  1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s F for all or part of the Administrator�s Fees. If you pay the initial filing fee and you prevail in Costs of Arbitration. You and we will be responsible for paying the fees of the arbitrator  for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre ees. If you pay the initial filing fee and you prevail in vail in vail in vail in vail in vail in charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be govern commerce and shall be governed by and enforceable under the Federal Arbitration Act (the under the Federal Arbitration Act (the FAA). ed by and enforceable under the Federal Arbitration Act (the an appropriate court to compel arbitration, or stay litigation pending arbitration, of any 
 Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you and any administrative fees charged by the Administrator according to the rules and  the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you � � � � � � � While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 a new charge. a new charge. a new charge. a new charge. a new charge. a new charge. a new charge. �FAA�). �FAA�). �FAA�). �FAA�). �FAA�). �FAA�). �FAA�). De?nitions for Arbitration Provision. As used in this Arbitration Provision, the following  Claim, even if the Claim is part of a lawsuit in court. A party who has asserted a Claim  for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason procedures of the Administrator. We will also pay or reimburse you for all or part of  for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance.
 appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 terms have the following de?nitions. The words we, our, and us mean First Tennessee  in a lawsuit may nevertheless elect mandatory arbitration with respect to any Claims 
 Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following  Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms terms other arbitration fees, if the arbitrator determines there is good reason to do so, and we 
 even if the Claim is part of a lawsuit in court. A party wh even if t even if the Claim is part of a lawsuit in court. A party who has asserted a Claim in a lawsuit even if the Claim is part of a lawsuit in court. A party wh even if the Claim is part of a lawsuit in court. A party wh even if the Claim is part of a lawsuit in court. A party who has asserted a Claim in a lawsuit even if the Claim is part of a lawsuit in court. A party wh he Claim is part of a lawsuit in court. A party who has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, wh to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. ich we are required to pay by law. � � � � � � � We can apply any unpaid amount against your credit limit. We can apply any unpaid amoun We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. t against your credit limit. Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard  Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 Bank National Association (which also is branded as First Horizon), its parent company,  subsequently asserted in that lawsuit by any other party. Delay in exercising these  will pay any fees and costs, which we are required to pay by law or by the rules and 
 debt you owe us. debt you owe us. debt you owe us. debt you owe us. debt you owe us. debt you owe us. debt you owe us. have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with r may nevertheless elect mandatory arbitration with respect to any Claims subsequently espect to any Claims subsequently Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who p Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that revails, except that After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 and their direct and indirect subsidiaries and af?liates, together with their employees,  rights shall not waive such rights. Failure to exercise arbitration rights with respect to a  procedures of the Administrator.  In addition, in the event that you receive an arbitration 
 Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient National Association (which also is branded as First Horizon), its  National Associat National Association (which also is branded as First Horizon), its parent company, and their National Association (which also is branded as First Horizon), its  National Association (which also is branded as First Horizon), its  National Association (which also is branded as First Horizon), its parent company, and their National Association (which also is branded as First Horizon), its  ion (which also is branded as First Horizon), its parent company, and their parent company, and their parent company, and their parent company, and their parent company, and their asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive a party may recover them from  a party may recover them from another party if the arbitrator determines that applicable law a party may recover them from another party if the arbitrator determines that applicable law a party may recover them from  a party may recover them from  a party may recover them from  a party may recover them from  another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law � � � � � � � If we made a mistake: You will n If we made a mistake: You will not have to pay the amount in question or any interest If we made a mistake: You will not have to pay the amount in question or any interest If we made a mistake: You will n If we made a mistake: You will n If we made a mistake: You will n If we made a mistake: You will n ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 of?cers, directors, successors, and assigns. The words you, your, and yours refer to  particular Claim shall not waive your right or our right to demand arbitration of any other  award that is greater than our last written settlement offer, the arbitrator shall have the 
 reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  wit direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, h  their  employees,  officers, so requires. so requires. so requires. so requires. so requires. so requires. so requires. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 any Consumer applicant, co-applicant, authorized user of the account, or legal repre- such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not Claim.  If the Administrator declines to administer a Claim in arbitration, then either party  such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise  such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not arbitration rights with respect to a particular Claim shall not discretion to require us to pay your attorneys� fees and costs. Otherwise, each party will 
 directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant,
 waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand ar waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. bitration of any other Claim. Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a � � � � � � � If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND sentative of any of the foregoing, and anyone claiming through such person or incident  shall have the right to proceed with the Claim as a lawsuit in court, in which case the  bear its own attorneys� fees and costs, regardless of who prevails.
 co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the acco co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, unt, or legal representative of any of the foregoing,
 to the account..  The word �Consumer� means a natural person who holds an account  Class Action Waiver set forth below still applies. party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Ad party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s ministrator�s along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statemen along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount t of the amount Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND Class Action Waiver.  Class Action Waiver. No Claim submitted to arbitration is heard by a jury or may be brought Class Action Waiver. No Claim submitted to arbitration is heard by a jury or may be brought Class Action Waiver.  Class Action Waiver.  Class Action Waiver. No Claim submitted to arbitration is heard by a jury or may be brought Class Action Waiver.  No Claim submitted to arbitration is heard by a jury or may be brought No Claim submitted to arbitration is heard by a jury or may be brought No Claim submitted to arbitration is heard by a jury or may be brought No Claim submitted to arbitration is heard by a jury or may be brought
 and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident  and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means to the account. The word Claim means Finality of Arbitration. The arbitrator�s decision is ?nal and binding on the parties, except 
                                        you owe and the date payment is due. We may then report you as delinquent if you you owe and th you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you e date payment is due. We may then report you as delinquent if you Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this primarily for personal, family or household purposes. The word Claim means any claim,  Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) waive  rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a
 any claim, con any claim, controversy, or dispute of any kind between you and us arising from or relating to any claim, controversy, or dispute of any kind between you and us arising from or relating to any claim, con any claim, con any claim, controversy, or dispute of any kind between you and us arising from or relating to any claim, con troversy, or dispute of any kind between you and us arising from or relating to troversy, or dispute of any kind between you and us arising from or relating to troversy, or dispute of any kind between you and us arising from or relating to troversy, or dispute of any kind between you and us arising from or relating to as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class actio as a class action or as a private attorney general. You do not have the right to act as a class n or as a private attorney general. You do not have the right to act as a class for any right of appeal provided by the FAA. Costs will be allocated in the same way 
                                        do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. New Balance New Balance New Balance New Balance New Balance New Balance New Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of controversy, or dispute of any kind arising from or relating to the account or any re- the right to proceed as part of any class action and (2) waive the right to a trial by jury  single arbitrator. A final and binding award is subje sin single arbitrator. A final and binding award is subject to judicial review only as provided by single arbitrator. A final and binding award is subje single arbitrator. A final and binding award is subje single arbitrator. A final and binding award is subje single arbitrator. A final and binding award is subje gle arbitrator. A final and binding award is subject to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by
 the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the acc the account or any relationship arising from or related to the account. The word Claim ount or any relationship arising from or related to the account. The word Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect t representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim o any Claim as costs are allocated in arbitration by a single arbitrator. A ?nal and binding award  Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 lationship arising from or related to the account. The word Claim includes, but is not 
 this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and of any and all Claims.  No Claim submitted to arbitration is heard by a jury or may be  the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having is subject to judicial review only as provided by the FAA. An arbitration award will be  the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having If you receive our ex If you receive our explanation but still believe your bill is wrong, you must write to us within If you receive our ex If you receive our explanation but still believe your bill is wrong, you must write to us within If you receive our ex If you receive our ex If you receive our ex planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within
 includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you a includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us nd us submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be
 limited to, any claim, controversy or dispute involving one or more of the following: Form of Payments Form of Payments Form of Payments Form of Payments Form of Payments Form of Payments Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 effect. effect. effect. effect. effect. effect. effect. brought as a class action or as a private attorney general.  You do not have the right to  jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as
 involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: arbitrated on an individual basis by a single arbitrat arbi arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority to resolve arbitrated on an individual basis by a single arbitrat arbitrated on an individual basis by a single arbitrat arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority to resolve arbitrated on an individual basis by a single arbitrat trated on an individual basis by a single arbitrator. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve enforceable under the FAA by any court having jurisdiction.
                                                                         Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payme Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payment  Paymen nt Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 t Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
   � the formation, application, enforceability, or interpretation of this Arbitration Pro- act as a class representative or participate as a member of a class of claimants with 
 Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and u Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make s alone, and the arbitrator�s authority to make Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination  Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell y delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the ou the
 � � � � � � � the  the  the  the  the  the  the  application,  application,  application,  vision or other part of the Agreement; application,  application,  application,  application,  enforceability,  enforceability,  enforceability,  enforceability,  enforceability,  enforceability,  enforceability,  or  or  or  or  or  or  or  interpretation  interpretation  interpretation  interpretation  interpretation  interpretation  interpretation  of  of  of  of  of  of  of  this  this  this  this  this  this  this  Arbitration  A Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  rbitration  Provision  Provision  Provision  Provision  Provision  Provision  Provision  or or or or or or or Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 respect to any Claim submitted to arbitration (Class Action Waiver). Any Claim resolved  name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those we  reported  you  as  delinquent,  and  we  must  let  those
 on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the or changes in the Agreement and/or related agreements or programs, the account, and  changes in th changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the e Agreement and/or related agreements or programs, the account, and the
   other part of the Agreement other part of the Agreement; other part of the Agreement; other part of the Agreement other part of the Agreement other part of the Agreement; other part of the Agreement ; ; ; ; awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 � any advertisements, solicitations, disclosures or other communications relating  by arbitration shall be arbitrated on an individual basis by a single arbitrator. The arbitra- the relationship between you and us concerning the account and related programs; (ii)  organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do not follow all of organizations know when the matter has been settled between us. If we do not follow all of organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do n ot follow all of ot follow all of ot follow all of ot follow all of ot follow all of
 or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by  be joined or consolidated in arbitration with Claims brought by relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  co relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) ncerning  the  account  and  related  programs;  (ii) Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 � � � � � � � any  any  any  any  any  any  any  to the account, whether made before or after the account was opened; adver tisements,  adver tisements,  adver tisements,  adver tisements,  adver tisements,  adver tisements,  adver tisements,  solicitations,  solicitations,  solicitations,  solicitations,  solicitations,  solicitations,  solicitations,  disclosures  disclosures  disclosures  disclosures  disclosures  disclosures  disclosures  or  or  or  or  or  or  or  other  other  other  other  other  other  other  communications  communications  communications  communications  communications  communications  communications  tor�s authority to resolve Claims is limited to Claims between you and us alone, and  bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account,  the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your
 internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties.  otherwise agreed to in writing by all parties. ban bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or ban ban ban ban kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
   relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to t relating to the account, whether made before or after the account was opened; � the opening, administration and termination of the account; he account, whether made before or after the account was opened; the arbitrator�s authority to make awards is limited to you and us alone. Furthermore, 
  any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims or any amounts owed on the account. Any different agreement regarding arbitration of  any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims bill is correct. bill is correct. bill is correct. bill is correct. bill is correct. bill is correct. bill is correct.
 illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  deemed deemed deemed deemed deemed deemed deemed Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 Sev Severability. The parties to this Arbitration Provision acknowledge that the Class Action Claims brought by you against us or by us against you may not be joined or consoli- Severability. The parties to this Arbitration Provision acknowledge that the Class Action Sev Sev Severability. The parties to this Arbitration Provision acknowledge that the Class Action Sev erability. The parties to this Arbitration Provision acknowledge that the Class Action erability. The parties to this Arbitration Provision acknowledge that the Class Action erability. The parties to this Arbitration Provision acknowledge that the Class Action erability. The parties to this Arbitration Provision acknowledge that the Class Action
 � � � � � � �   the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; � any transactions involving the account; must be agreed in writing. must be agreed in writing. Claims must be agreed in writing.
 an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other must be agreed in writing. must be agreed in writing. must be agreed in writing. must be agreed in writing. must be agreed in writing. Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and dated in arbitration with Claims brought by or against someone other than you, unless  Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and
 related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal � � � � � � �   any transactions involving the account; any transactions involving the account; any transactions involving the account; any transactions involving the acc any transactions involving the account; any transactions involving the account; any transactions involving the account; � any interest, fees and other charges to the account; ount; If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services that you have purchased with yo If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services th If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services that you have purchased with your credit at you have purchased with your credit ur credit Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided otherwise agreed to in writing by all parties. is non-severable from this Arbitration Provision. If the Class Actio is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided n Waiver is limited, voided Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document fo Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use r Future Use
   � any products or services (whether provided by us or a third party) related to or 
 use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 � � � � � � � any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may
 or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for t Severability.  The parties to this Arbitration Provision acknowledge that the Class Action 
 offered in connection with the account; or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) his sentence) This This This This This This This notice notice notice notice notice notice notice tells you tells you tells you tells you tells you tells you tells you about about about about about about about your your your your your your your rights rights rights rights rights rights rights and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit
 indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, have the right not to pay the have the right not to pay the remaining amount due on the purchase. have the right not to pay the have the right not to pay the remaining amount due on the purchase. have the right not to pay the have the right not to pay the have the right not to pay the  remaining amount due on the purchase.  remaining amount due on the purchase.  remaining amount due on the purchase.  remaining amount due on the purchase.  remaining amount due on the purchase. Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculat Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 ing Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 � � � � � � � any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  us  or  a  third  party)  related  to  or 
   � any use or disclosure of information about you or the account; shall be null and void with respect t shall be null and void with respect to such proceeding, subject to the right to appeal the Waiver is material and essential to the arbitration of any disputes between the parties  shall be null and void with respect to such proceeding, subject to the right to appeal the shall be null and void with respect t shall be null and void with respect t shall be null and void with respect to such proceeding, subject to the right to appeal the shall be null and void with respect t o such proceeding, subject to the right to appeal the o such proceeding, subject to the right to appeal the o such proceeding, subject to the right to appeal the o such proceeding, subject to the right to appeal the Billing Act. Billing Act. Billing Act. Billing Act. Billing Act. Billing Act. Billing Act.
                                     To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. offered in conn offered in connection with the account; offered in connection with the account; offered in conn offered in conn offered in connection with the account; offered in conn ection with the account; ection with the account; ection with the account; ection with the account; limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that and is non-severable from this Arbitration Provision.  If the Class Action Waiver is  limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that  Class Action Waiver. The parties acknowledge and agree that
   � any other matters relating to the account or your credit card relationship with us.
 limited, voided or found unenforceable, then the parties� agreement to arbitrate (except  What To Do If You Find A Mistake On Your Statement W What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement hat To Do If You Find A Mistake On Your Statement Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or 1. 1. 1. 1. 1. 1. 1. The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of 
 � � � � � � � All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Pro- any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account any use or disclosure of information about you or the account; ; under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration
  I f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box If you think there is an error on your statement, write to us at: BankCard Center, P.O. Box I If you think there is an error on your statement, write to us at: BankCard Center, P.O. Box I f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box If you think there is an error on your statement, write to us at: BankCard Center, P.O. Box f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box I f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you for this sentence) shall be null and void with respect to such proceeding, subject to  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than   
 � � � � � � � vision, regardless of whether the Claim: (i) previously existed, is now existing (whether  any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provisi Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be on, other than the Class Action Waiver, cannot be enforced, that portion will be
  1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) the right to appeal the limitation or invalidation of the Class Action Waiver.  The parties  $50.  $50.  $50.  $50.  $50.  $50.  $50.  (Note:  (Note:  (Note:  (Note:  (Note:  (Note:  (Note:  Neither  Neither  Neither  Neither  Neither  Neither  Neither  of  of  of  of  of  of  of  these  these these  these  these  these  these    is  is  is  is  is  is  is  necessary  necessary  necessary  necessary  necessary  necessary  necessary  if  if  if  if  if  if  if  your  your  your  your  your  your  your  purchase  purchase  purchase  purchase  purchase  purchase  purchase  was  was  was  was  was  was  was  based  based  based  based  based  based  based  on  on  on  on  on  on  on  an  an  an  an  an  an  an 
 discovered or undiscovered) or arises later; (ii) is based on a theory of contract, tort  severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of  severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. the Arbitration Provision will continue to apply. Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 � � � � � � � any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. acknowledge and agree that under no circumstances will a class action be arbitrated.  a transaction dispute. You will need to give us the following information:  a transaction dispute. You will need to give us the following information:  a transaction dispute. You will need to give us the following information a transaction dispute. You will need to give us the following information:  a transaction dispute. You will need to give us the following information:  a transaction dispute. You will a transaction dispute. You will need to give us the following information:   need to give us the following information:  : 
 if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the 
 (including intentional tort), negligence, agency or other vicarious liability, fraud, statute,  A Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the f Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity oregoing, the word Claim does not include any challenge to the validity If any portion of this Arbitration Provision, other than the Class Action Waiver, cannot  Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve A A rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will re A rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve solve
 us such written information as us such written information as us such written information as us such written information as us such written information as us such written information as us such written information as  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation. � � � � � � � Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. good goods or services.) goods or services.) good good good good s or services.) s or services.) s or services.) s or services.) s or services.)
 regulation, constitution, or any other source of law or equity; (iii) seeks monetary dam- Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 and effect of the Class Action Waiver set forth below, which must be decided by a co and effect of the Class Action Wai and effect of the Class Action Waiver set forth below, which must be decided by a court. and effect of the Class Action Waiver set forth below, which must be decided by a co and effect of the Class Action Waiver set forth below, which must be decided by a co and effect of the Class Action Waiver set forth below, which must be decided by a court. and effect of the Class Action Waiver set forth below, which must be decided by a co ver set forth below, which must be decided by a court. urt. urt. urt. urt. Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration be enforced, that portion will be severed, and the rest of the Arbitration Provision will  Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration � � � � � � � Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected e Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. rror. 2. 2. 2. 2. 2. 2. 2. You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash 
 Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that ages, or declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an  Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fe Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fee es  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 s  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 Provision.  Provision.  continue to apply. Provision.  Provision.  Provision.  Provision.  Provision.  This  This  This  This  This  This  This  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Provision  Provision  Provision  Provision  Provision  Provision  Provision  will  will  will  will  will  will  will  govern  govern  govern  govern  govern  govern  govern  in  in  in  in  in  in  in  the  the  the  the  the  the  the  event  event  event  event  event  event  event  of  of  of  of  of  of  of  conflict  conflict  conflict  con conflict  conflict  conflict  flict  with  with  with  with  with  with  with  the the the the the the the
 All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitr All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, ation Provision, � � � � � � � Description of problem: If you think there i Description of problem: If you think there is an error on your bill, describe what you Description of problem: If you think there is an error on your bill, describe what you Description of problem: If you think there i Description of problem: If you think there i Description of problem: If you think there is an error on your bill, describe what you Description of problem: If you think there i s an error on your bill, describe what you s an error on your bill, describe what you s an error on your bill, describe what you s an error on your bill, describe what you advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do 
 occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs initial claim, counterclaim, crossclaim, interpleader action, third-party claim or other  Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will  Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be
 regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. not qualify. not qualify. not qualify. not qualify. not qualify. not qualify. not qualify.
 before you notify us.  before you notify us.  before you notify us.  before you notify us.  before you notify us.  before you notify us.  before you notify us.  action; or (v) is asserted as an individual claim or as part of a class action or other  Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 limited by the Administrator�s rules and procedures. T limi resolve Claims pursuant to the rules and procedures of the Administrator and this Ar- limited by the Administrator�s rules and procedures. The arbitrator will apply applicable limited by the Administrator�s rules and procedures. T limited by the Administrator�s rules and procedures. T limited by the Administrator�s rules and procedures. The arbitrator will apply applicable limited by the Administrator�s rules and procedures. T ted by the Administrator�s rules and procedures. The arbitrator will apply applicable he arbitrator will apply applicable he arbitrator will apply applicable he arbitrator will apply applicable he arbitrator will apply applicable
 or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on  or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including a theory of contract, tort (including 3. 3. 3. 3. 3. 3. 3. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase.
 representative or collective action. (Any Claim asserted as part of a class action or other  You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: Notices Notices Notices Notices Notices Notices Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applicable statutes of limitations and honor bitration Provision. This Arbitration Provision will govern in the event of con?ict with  substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applica substantive law consistent with the FAA and applicable statutes of limitations and honor ble statutes of limitations and honor
 intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability,  intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, representative or collective action shall proceed in arbitration on an individual basis as  fraud, statute, regulation, If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all of the criteria above are me If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all of the criteria above are met and you are still dissatisfied with the purchase, contact us  of the criteria above are met and you are still dissatisfied with the purchase, contact us t and you are still dissatisfied with the purchase, contact us
 legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any the Administrator�s rules and procedures. Discovery procedures available to parties  legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any � � � � � � � Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Def Def Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 ault/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 ault/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION:  PLEASE READ THE FOLLOWING ARBITRATION PROVISION CARE- ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. constitution,  or  any  ot constitution,  or  any  other  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or constitution,  or  any  other  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or constitution,  or  any  ot constitution,  or  any  ot constitution,  or  any  other  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or constitution,  or  any  ot set forth below.) Joint Cardholders, applicants and authorized users on a single ac- her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 -1545. You may also -1545. You may also -1545. You may also -1545. You may also -1545. You may also
 will be limited by the Administrator�s rules and procedures. The arbitrator will apply  � � � � � � � At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days before an automated payment is scheduled, if  At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days bef At least 3 business days before an automated payment is scheduled, if you want to ore an automated payment is scheduled, if you want to you want to Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME FULLY. IT PROVIDES FOR MANDATORY ARBITRATION OF CONSUMER CLAIMS  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive r declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, count or multiple accounts for which the same Cardholders are legally responsible will  elief, or other remedy or relief; (iv) is asserted as an initial claim, damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided fo damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the r under applicable law, but only with respect to the contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While Credit Information Credit Information Credit Information Credit Information Credit Information Credit Information Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 applicable substantive law consistent with the FAA and applicable statutes of limitations  stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong.
 EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  (SUBJECT TO SOME EXCEPTIONS), INSTEAD OF COURT PROCEEDINGS. IF YOU  EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  OF  OF  OF  OF  OF  OF  OF  COURT  COURT  COURT  COURT  COURT  COURT  COURT  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  IF  IF  IF  IF  IF  IF  IF  YOU  YOU  YOU  YOU  YOU  YOU  YOU  OR  OR  OR  OR  OR  OR  OR  WE  WE  WE  WE  WE  WE  WE  ELECT ELECT ELECT ELECT ELECT ELECT ELECT counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is be treated as one person for this purpose.  All questions about whether disputes are   is named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The ar named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision bitrator and this Arbitration Provision we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  Promotions Promotions Promotions Promotions Promotions Promotions Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 and honor legally recognized claims of privilege.  The arbitrator will have the power to 
 ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO  ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or subject to arbitration shall be resolved by interpreting this arbitration provision in the  will not be will not be subject to federal, state, or local rules of procedure and evidence applicable to will not be subject to federal, state, or local rules of procedure and evidence applicable to will not be will not be will not be subject to federal, state, or local rules of procedure and evidence applicable to will not be  subject to federal, state, or local rules of procedure and evidence applicable to  subject to federal, state, or local rules of procedure and evidence applicable to  subject to federal, state, or local rules of procedure and evidence applicable to  subject to federal, state, or local rules of procedure and evidence applicable to You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in wr You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but iting (or electronically). You may call us, but
 award any damages or other relief that would be available in court and are permitted  After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our decision. At that point, if we After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our d After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our decision. At that point, if we think you ecision. At that point, if we think you  think you Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE  BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION collective action. (Any Claim asserted as part of a class action  collective acti collective action. (Any Claim asserted as part of a class action  collective action. (Any Claim asserted as part of a class action or other representative or collective action. (Any Claim asserted as part of a class action  collective action. (Any Claim asserted as part of a class action or other representative or collective action. (Any Claim asserted as part of a class action  broadest way the law will allow it to be enforced. on. (Any Claim asserted as part of a class action or other representative or or other representative or or other representative or or other representative or or other representative or lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an laws lawsuits or to state or local laws relating to arbitration. Either party may choose to have an uits or to state or local laws relating to arbitration. Either party may choose to have an if  if you do we are not required to investigate any potential errors; and you may have to pay if  if you do we are not required to investigate any potential errors; and you may have to pay if  if you do we are not required to investigate any potential errors; and you may have to pay if  you do we are not required to investigate any potential errors; and you may have to pay you do we are not required to investigate any potential errors; and you may have to pay you do we are not required to investigate any potential errors; and you may have to pay you do we are not required to investigate any potential errors; and you may have to pay
 under the terms and conditions of this Agreement, but only with respect to the named  owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT TH PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR IN A CLASS ACTION PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT  PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR AT MAY BE LIMITED OR collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individ collective action shall proceed in arbitration on an individual basis as set forth below). Joint Initiation of Arbitration. The party electing arbitration must use the arbitration adminis- ual basis as set forth below). Joint arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration  arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be hearing may be the amount in question. the amount in question. the amount in question. the amount in question. the amount in question. the amount in question. the amount in question.
 parties and the Claims being arbitrated.  The arbitrator and this Arbitration Provision will  Assignment Assignment Assignment Assignment Assignment Assignment Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO  UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for trator shown below and follow its rules and procedures, except as otherwise stated in  conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you not be subject to federal, state, or local rules of procedure and evidence applicable to  conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter Captions Captions Captions Captions Captions Captions Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOSE APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS CONDUCT DISCOVERY OR TO APPEAL. FEES AND EXPENSES OF ARBITRATION  APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS E E E E E E which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders a which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or this Arbitration Provision. Copies of its current rules, procedures, forms, and related  re legally responsible will be treated as one person or attend in person will occur at a place designated  attend in person will occur at a place designated by the Administrator at a location within lawsuits or to state or local laws relating to arbitration. Either party may choose to have  attend in person will occur at a place designated by the Administrator at a location within attend in person will occur at a place designated  attend in person will occur at a place designated  attend in person will occur at a place designated by the Administrator at a location within attend in person will occur at a place designated  by the Administrator at a location within by the Administrator at a location within by the Administrator at a location within by the Administrator at a location within When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two thin When we receive your letter, we must do two things: gs: Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 MAY BE HIGHER THAN THOSE ASSOCIATED WITH COURT PROCEEDINGS. THE 
 ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. information, including information about how to ?le a Claim, may be obtained by con- the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed an arbitration hearing and to be represented by counsel. An arbitration hearing may be  the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed 1. 1. 1. 1. 1. 1. 1. Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your lett Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  er, we must tell you that we received your letter.  Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 ARBITRATOR�S DECISION WILL BE BINDING, EXCEPT AS PROVIDED BELOW.
 BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. tacting the Administrator as follows:
 Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential conducted by telephone if the parties agree. Any participatory arbitration hearing that  upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error.  error. Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 Agreement to Arbitrate. Upon the election of either you or us, any Claims (as de?ned 
 Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and American Arbitration Association information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing you attend in person will occur at a place designated by the Administrator at a location  information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing 2. 2. 2. 2. 2. 2. 2. Within 90 days of receiving your letter,  Within 90 days of receiving your letter, we must either correct the error or explain to  Within 90 days of receiving your letter,  Within 90 days of receiving your letter, we must either correct the error or explain to  Within 90 days of receiving your letter,  Within 90 days of receiving your letter, we must either correct the error or explain to  Within 90 days of receiving your letter,  we must either correct the error or explain to  we must either correct the error or explain to  we must either correct the error or explain to  we must either correct the error or explain to  Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 below), except for Claims ?led in a small claims court, may be resolved by manda-
 below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court,  below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, may be resolved by mandatory, related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: Case Filing Services and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. within the federal judicial district that includes your billing address or at some other  and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 tory, binding arbitration. The small claims court exclusion applies only so long as 
                                                                         BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10
 7 7 7 7 7 7 7 8 8 8 8 8 8 8 9 9 9 9 9 10 10 10 10 10 10 10 M-105907  4/12 11 11 11 11 11 11 11 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221
 other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you other reservations, you will be bound by the merchant�s cancellation policy, and you binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the dispute binding arbitration. The small claims court exclusion applies only so long as the d binding arbitration. The small claims court exclusion applies only so long as the dispute the dispute remains in the small claims court and is an individual (non-class, non-rep- ispute 1101 Laurel Oak Road, Suite 100 JAMS JAMS JAMS JAMS JAMS JAMS JAMS Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitration will pay the initial filing fee, except that place agreed upon by you and us. The arbitrator will use reasonable efforts to protect  Costs of Arbitration. The party filing for arbitration will pay the initial filing fee, except that Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitra Costs of Arbitration. The party filing for arbitra tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that tion will pay the initial filing fee, except that While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error: While we investigate whether or not there has been an error:
                                          CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT CARDHOLDER AGREEMENT
 must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in must obtain a cancellation code from the merchant to avoid or limit any charges in remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. remains in the small claims court and is an individual (non-class, non-representative) Claim. resentative) Claim. If a Claim asserted in small claims court is transferred or appealed  1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 1920 Main St., Suite 300 Voorhees, NJ  08043 you  you  con?dential information if requested to do so by any party. The arbitrator will make  you  you  you  you  you  may  may  may  may  may  may  may  seek  seek  seek  seek  seek  seek  seek  a  a  a  a  a  a  a  waiver  waiver  waiver  waiver  waiver  waiver  waiver  of  of  of  of  of  of  of  the  the  the  the  the  the  the  filing  filing  filing  filing  filing  filing  filing  fee  fee  fee  fee  fee  fee  fee  and/or  and/or  and/or  and/or  and/or  and/or  and/or  other  other  other  other  other  other  other  arbitration  arbitration  arbitration  arbitration  arbitration  arbitration  arbitration  fees  fees  fees  fees  fees  fees  fees  under  under  under  under  under  under  under  the the the the the the the � � � � � � � We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as delinquent on that We cannot try to collect the amount in question, or report you as delinquent on that We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as We cannot try to collect the amount in question, or report you as  delinquent on that  delinquent on that  delinquent on that  delinquent on that  delinquent on that
 accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your accordance with that policy. If you give a merchant continuing authority to charge your If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or  If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either If a Claim asserted in small claims court is transferred or appealed to a different court, either to a different court, either you or we may then elect mandatory, binding arbitration  appealed to a different court, either Toll free number:  877-495-4185 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Irvine, CA 92610 Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify any award in writing and, upon a timely written request, provide a written statement of  Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify Administrator�s rules (collectively, �Administrator�s Fees�). If you seek, but do not qualify amount. amount. amount. amount. amount. amount. amount. and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act and Disclosures Under The Federal Truth In Lending Act
 account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that account for repeat charges, you must notify the merchant when you wish to revoke that you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration you  or  we  may  then  elect  mandatory,  binding  arbitration  pursuant  to  this  Arbitration pursuant to this Arbitration Provision. This Arbitration Provision is made pursuant to a  this  Arbitration www.jamsadr.com http://www.adr.org www.jamsadr.com www.jamsadr.com www.jamsadr.com www.jamsadr.com www.jamsadr.com www.jamsadr.com for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you reasons for the award. for, a waiver, we will c for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you for, a waiver, we will consider any written request by you for us to pay or reimburse you onsider any written request by you for us to pay or reimburse you � � � � � � � The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to The charge in question may remain on your statement, and we may continue to Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Agreement and Definitions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char authorization. If the merchant continues to initiate such char ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing ges, to preserve your billing Provision. This Arbitration Provis Provision. This Arbitration Provision is made pursuant to a transaction involving interstate Provision. This Arbitration Provis Provision. This Arbitration Provision is made pursuant to a transaction involving interstate Provision. This Arbitration Provis Provision. This Arbitration Provision is made pursuant to a transaction involving interstate Provision. This Arbitration Provis transaction involving interstate commerce and shall be governed by and enforceable  ion is made pursuant to a transaction involving interstate ion is made pursuant to a transaction involving interstate ion is made pursuant to a transaction involving interstate ion is made pursuant to a transaction involving interstate Except for the small claims court exclusion set forth above, either you or we may ask  1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 1-800-352-5267 for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s F for all or part of the Administrator�s Fees. If you pay the initial filing fee and you prevail in Costs of Arbitration. You and we will be responsible for paying the fees of the arbitrator  for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre for all or part of the Administrator�s Fees. If you pay the initial filing fee and you pre ees. If you pay the initial filing fee and you prevail in vail in vail in vail in vail in vail in charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. charge you interest on that amount. Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms Changes In Terms  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects rights you must continue to notify us promptly every time your billing statement reflects commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be governed by and enforceable under the Federal Arbitration Act (the commerce and shall be govern commerce and shall be governed by and enforceable under the Federal Arbitration Act (the under the Federal Arbitration Act (the FAA). ed by and enforceable under the Federal Arbitration Act (the an appropriate court to compel arbitration, or stay litigation pending arbitration, of any 
 Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an Except for the small claims court exclusion set forth above, either you or we may ask an the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you and any administrative fees charged by the Administrator according to the rules and  the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you the arbitration proceeding, we will reimburse you for that fee. We will pay or reimburse you � � � � � � � While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the While you do not have to pay the amount in question, you are responsible for the Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Using Your Account  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 a new charge. a new charge. a new charge. a new charge. a new charge. a new charge. a new charge. �FAA�). �FAA�). �FAA�). �FAA�). �FAA�). �FAA�). �FAA�). De?nitions for Arbitration Provision. As used in this Arbitration Provision, the following  Claim, even if the Claim is part of a lawsuit in court. A party who has asserted a Claim  for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason procedures of the Administrator. We will also pay or reimburse you for all or part of  for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason for all or part of other arbitration fees, also, if the arbitrator determines there is good reason remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance. remainder of your balance.
 appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, appropriate court to compel arbitration, or stay litigation pending arbitration, of any Claim, Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 Introductory Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1
 terms have the following de?nitions. The words we, our, and us mean First Tennessee  in a lawsuit may nevertheless elect mandatory arbitration with respect to any Claims 
 Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Assignment. We may assign any or all of our rights under this Agreement, including any Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following  Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms Definitions for Arbitration Provision. As used in this Arbitration Provision, the following terms terms other arbitration fees, if the arbitrator determines there is good reason to do so, and we 
 even if the Claim is part of a lawsuit in court. A party wh even if t even if the Claim is part of a lawsuit in court. A party who has asserted a Claim in a lawsuit even if the Claim is part of a lawsuit in court. A party wh even if the Claim is part of a lawsuit in court. A party wh even if the Claim is part of a lawsuit in court. A party who has asserted a Claim in a lawsuit even if the Claim is part of a lawsuit in court. A party wh he Claim is part of a lawsuit in court. A party who has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit o has asserted a Claim in a lawsuit to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, wh to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. to do so, and we will pay any fees and costs, which we are required to pay by law. ich we are required to pay by law. � � � � � � � We can apply any unpaid amount against your credit limit. We can apply any unpaid amoun We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. We can apply any unpaid amount against your credit limit. t against your credit limit. Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard  Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Standard (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 (Variable) Rates  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 Bank National Association (which also is branded as First Horizon), its parent company,  subsequently asserted in that lawsuit by any other party. Delay in exercising these  will pay any fees and costs, which we are required to pay by law or by the rules and 
 debt you owe us. debt you owe us. debt you owe us. debt you owe us. debt you owe us. debt you owe us. debt you owe us. have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank have the following definitions. The words we, our, and us mean First Tennessee Bank may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with respect to any Claims subsequently may nevertheless elect mandatory arbitration with r may nevertheless elect mandatory arbitration with respect to any Claims subsequently espect to any Claims subsequently Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who p Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that Otherwise, each party will bear its fees and costs, regardless of who prevails, except that revails, except that After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: After we finish our investigation, one of two things will happen: Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Promise to Pay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 and their direct and indirect subsidiaries and af?liates, together with their employees,  rights shall not waive such rights. Failure to exercise arbitration rights with respect to a  procedures of the Administrator.  In addition, in the event that you receive an arbitration 
 Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient Captions. Captions used in this Agreement are intended solely as aids to convenient National Association (which also is branded as First Horizon), its  National Associat National Association (which also is branded as First Horizon), its parent company, and their National Association (which also is branded as First Horizon), its  National Association (which also is branded as First Horizon), its  National Association (which also is branded as First Horizon), its parent company, and their National Association (which also is branded as First Horizon), its  ion (which also is branded as First Horizon), its parent company, and their parent company, and their parent company, and their parent company, and their parent company, and their asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive asserted in that lawsuit by any other party. Delay in exercising these rights shall not waive a party may recover them from  a party may recover them from another party if the arbitrator determines that applicable law a party may recover them from another party if the arbitrator determines that applicable law a party may recover them from  a party may recover them from  a party may recover them from  a party may recover them from  another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law another party if the arbitrator determines that applicable law � � � � � � � If we made a mistake: You will n If we made a mistake: You will not have to pay the amount in question or any interest If we made a mistake: You will not have to pay the amount in question or any interest If we made a mistake: You will n If we made a mistake: You will n If we made a mistake: You will n If we made a mistake: You will n ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest ot have to pay the amount in question or any interest Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit Credit Limit  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 of?cers, directors, successors, and assigns. The words you, your, and yours refer to  particular Claim shall not waive your right or our right to demand arbitration of any other  award that is greater than our last written settlement offer, the arbitrator shall have the 
 reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. reference and do not affect the interpretation of this Agreement. direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, direct  and  indirect  subsidiaries  and  affiliates,  together  wit direct  and  indirect  subsidiaries  and  affiliates,  together  with  their  employees,  officers, h  their  employees,  officers, so requires. so requires. so requires. so requires. so requires. so requires. so requires. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. or other fees related to that amount. Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 Billing Statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
 any Consumer applicant, co-applicant, authorized user of the account, or legal repre- such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not Claim.  If the Administrator declines to administer a Claim in arbitration, then either party  such rights. Failure to exercise  such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not such rights. Failure to exercise arbitration rights with respect to a particular Claim shall not arbitration rights with respect to a particular Claim shall not discretion to require us to pay your attorneys� fees and costs. Otherwise, each party will 
 directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant, directors, successors, and assigns. The words you, your, and yours refer to any applicant,
 waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand ar waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. waive your right or our right to demand arbitration of any other Claim. bitration of any other Claim. Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a Finality of Arbitration. The arbitrator�s decision is final and binding on the parties unless a � � � � � � � If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, If we do not believe there was a mistake: You will have to pay the amount in question, Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Making Payments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Applicable Law/Non- Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND Waiver/Severability. YOUR ACCOUNT AND THE TERMS AND sentative of any of the foregoing, and anyone claiming through such person or incident  shall have the right to proceed with the Claim as a lawsuit in court, in which case the  bear its own attorneys� fees and costs, regardless of who prevails.
 co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the acco co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, co-applicant, authorized user of the account, or legal representative of any of the foregoing, unt, or legal representative of any of the foregoing,
 to the account..  The word �Consumer� means a natural person who holds an account  Class Action Waiver set forth below still applies. party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Ad party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s party appeals in writing to the same Administrator in accordance with the Administrator�s ministrator�s along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statemen along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount along with applicable interest and fees. We will send you a statement of the amount t of the amount Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments Effects of Making Minimum Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND ENFORCEMENT OF THIS AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND Class Action Waiver.  Class Action Waiver. No Claim submitted to arbitration is heard by a jury or may be brought Class Action Waiver. No Claim submitted to arbitration is heard by a jury or may be brought Class Action Waiver.  Class Action Waiver.  Class Action Waiver. No Claim submitted to arbitration is heard by a jury or may be brought Class Action Waiver.  No Claim submitted to arbitration is heard by a jury or may be brought No Claim submitted to arbitration is heard by a jury or may be brought No Claim submitted to arbitration is heard by a jury or may be brought No Claim submitted to arbitration is heard by a jury or may be brought
 and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident  and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means and anyone claiming through such person or incident to the account. The word Claim means to the account. The word Claim means Finality of Arbitration. The arbitrator�s decision is ?nal and binding on the parties, except 
    you owe and the date payment is due. We may then report you as delinquent if you you owe and th you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you you owe and the date payment is due. We may then report you as delinquent if you e date payment is due. We may then report you as delinquent if you Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Application of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this THE  LAW  OF  TENNESSEE.  We  can  delay  enforcing  any  of  our  rights  under  this primarily for personal, family or household purposes. The word Claim means any claim,  Class Action and Jury Waiver. You and we hereby knowingly and voluntarily (1) waive  rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a rules. Costs will be allocated in the same way as costs are allocated in arbitration by a
 any claim, con any claim, controversy, or dispute of any kind between you and us arising from or relating to any claim, controversy, or dispute of any kind between you and us arising from or relating to any claim, con any claim, con any claim, controversy, or dispute of any kind between you and us arising from or relating to any claim, con troversy, or dispute of any kind between you and us arising from or relating to troversy, or dispute of any kind between you and us arising from or relating to troversy, or dispute of any kind between you and us arising from or relating to troversy, or dispute of any kind between you and us arising from or relating to as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class action or as a private attorney general. You do not have the right to act as a class as a class actio as a class action or as a private attorney general. You do not have the right to act as a class n or as a private attorney general. You do not have the right to act as a class for any right of appeal provided by the FAA. Costs will be allocated in the same way 
    do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. do not pay the amount we think you owe. New Balance New Balance New Balance New Balance New Balance New Balance New Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of Agreement any number of times without waiving our rights in the future. If any term of controversy, or dispute of any kind arising from or relating to the account or any re- the right to proceed as part of any class action and (2) waive the right to a trial by jury  single arbitrator. A final and binding award is subje sin single arbitrator. A final and binding award is subject to judicial review only as provided by single arbitrator. A final and binding award is subje single arbitrator. A final and binding award is subje single arbitrator. A final and binding award is subje single arbitrator. A final and binding award is subje gle arbitrator. A final and binding award is subject to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by ct to judicial review only as provided by
 the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the account or any relationship arising from or related to the account. The word Claim the acc the account or any relationship arising from or related to the account. The word Claim ount or any relationship arising from or related to the account. The word Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect t representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim representative or participate as a member of a class of claimants with respect to any Claim o any Claim as costs are allocated in arbitration by a single arbitrator. A ?nal and binding award  Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Minimum Payment Calculation  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 lationship arising from or related to the account. The word Claim includes, but is not 
 this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and this Agreement is found to be unenforceable, all other provisions remain in full force and of any and all Claims.  No Claim submitted to arbitration is heard by a jury or may be  the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having is subject to judicial review only as provided by the FAA. An arbitration award will be  the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having the FAA. An arbitration award will be enforceable under the FAA by any court having If you receive our ex If you receive our explanation but still believe your bill is wrong, you must write to us within If you receive our ex If you receive our explanation but still believe your bill is wrong, you must write to us within If you receive our ex If you receive our ex If you receive our ex planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within planation but still believe your bill is wrong, you must write to us within
 includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you a includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us includes, but is not limited to, any claim, controversy or dispute between you and us nd us submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be submitted to arbitration (Class Action Waiver). Any Claim resolved by arbitration shall be
 limited to, any claim, controversy or dispute involving one or more of the following: Form of Payments Form of Payments Form of Payments Form of Payments Form of Payments Form of Payments Form of Payments  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
 effect. effect. effect. effect. effect. effect. effect. brought as a class action or as a private attorney general.  You do not have the right to  jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. jurisdiction. 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as 10 days telling us that you still refuse to pay. If you do so, we cannot report you as
 involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: involving one or more of the following: arbitrated on an individual basis by a single arbitrat arbi arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority to resolve arbitrated on an individual basis by a single arbitrat arbitrated on an individual basis by a single arbitrat arbitrated on an individual basis by a single arbitrator. The arbitrator�s authority to resolve arbitrated on an individual basis by a single arbitrat trated on an individual basis by a single arbitrator. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve or. The arbitrator�s authority to resolve enforceable under the FAA by any court having jurisdiction.
                                     Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payme Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payment Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Payment  Paymen nt Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 t Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
   � the formation, application, enforceability, or interpretation of this Arbitration Pro- act as a class representative or participate as a member of a class of claimants with 
 Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag Illegal Transactions. You ag ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions ree not to make or permit to be made any illegal transactions Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make Claims is limited to Claims between you and u Claims is limited to Claims between you and us alone, and the arbitrator�s authority to make s alone, and the arbitrator�s authority to make Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination  Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or Survival of Arbitration Provision. This Arbitration Provision shall survive: (i) termination or delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell y delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the delinquent without also reporting that you are questioning your bill. We must tell you the ou the
 � � � � � � � the  the  the  the  the  the  the  application,  application,  application,  vision or other part of the Agreement; application,  application,  application,  application,  enforceability,  enforceability,  enforceability,  enforceability,  enforceability,  enforceability,  enforceability,  or  or  or  or  or  or  or  interpretation  interpretation  interpretation  interpretation  interpretation  interpretation  interpretation  of  of  of  of  of  of  of  this  this  this  this  this  this  this  Arbitration  A Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  rbitration  Provision  Provision  Provision  Provision  Provision  Provision  Provision  or or or or or or or Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer  Visa Money Transfer   . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 respect to any Claim submitted to arbitration (Class Action Waiver). Any Claim resolved  name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those name  of  anyone  to  whom  we  reported  you  as  delinquent,  and  we  must  let  those we  reported  you  as  delinquent,  and  we  must  let  those
 on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, on the account through use of the card, any other account access device issued by us, changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the or changes in the Agreement and/or related agreements or programs, the account, and  changes in th changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the changes in the Agreement and/or related agreements or programs, the account, and the e Agreement and/or related agreements or programs, the account, and the
   other part of the Agreement other part of the Agreement; other part of the Agreement; other part of the Agreement other part of the Agreement other part of the Agreement; other part of the Agreement ; ; ; ; awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or awards is limited to you and us alone. Furthermore, Claims brought by you against us or Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges Finance Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 � any advertisements, solicitations, disclosures or other communications relating  by arbitration shall be arbitrated on an individual basis by a single arbitrator. The arbitra- the relationship between you and us concerning the account and related programs; (ii)  organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do not follow all of organizations know when the matter has been settled between us. If we do not follow all of organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do n organizations know when the matter has been settled between us. If we do n ot follow all of ot follow all of ot follow all of ot follow all of ot follow all of
 or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any or in any other manner. We may, but are not required to, deny authorization for any by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by by us against you may not be joined or consolidated in arbitration with Claims brought by  be joined or consolidated in arbitration with Claims brought by relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  co relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) relationship  between  you  and  us  concerning  the  account  and  related  programs;  (ii) ncerning  the  account  and  related  programs;  (ii) Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Interest Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 � � � � � � � any  any  any  any  any  any  any  to the account, whether made before or after the account was opened; adver tisements,  adver tisements,  adver tisements,  adver tisements,  adver tisements,  adver tisements,  adver tisements,  solicitations,  solicitations,  solicitations,  solicitations,  solicitations,  solicitations,  solicitations,  disclosures  disclosures  disclosures  disclosures  disclosures  disclosures  disclosures  or  or  or  or  or  or  or  other  other  other  other  other  other  other  communications  communications  communications  communications  communications  communications  communications  tor�s authority to resolve Claims is limited to Claims between you and us alone, and  bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account,  the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your the rules above, you do not have to pay the first $50 of the amount you question even if your
 internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other internet gambling transactions, any internet purchase of tobacco products, or any other or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties. or against someone other than you, unless otherwise agreed to in writing by all parties.  otherwise agreed to in writing by all parties. ban bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or bankruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or ban ban ban ban kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or kruptcy of any party; and (iii) any sale, assignment or other transfer of the account, or Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions Foreign Currency Transactions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
   relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to the account, whether made before or after the account was opened; relating to t relating to the account, whether made before or after the account was opened; � the opening, administration and termination of the account; he account, whether made before or after the account was opened; the arbitrator�s authority to make awards is limited to you and us alone. Furthermore, 
 any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims or any amounts owed on the account. Any different agreement regarding arbitration of  any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims any amounts owed on the account. Any different agreement regarding arbitration of Claims bill is correct. bill is correct. bill is correct. bill is correct. bill is correct. bill is correct. bill is correct.
 illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  illegal transactions. You agree that illegal use of the card or the account will be  deemed deemed deemed deemed deemed deemed deemed Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Paying Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 Sev Severability. The parties to this Arbitration Provision acknowledge that the Class Action Claims brought by you against us or by us against you may not be joined or consoli- Severability. The parties to this Arbitration Provision acknowledge that the Class Action Sev Sev Severability. The parties to this Arbitration Provision acknowledge that the Class Action Sev erability. The parties to this Arbitration Provision acknowledge that the Class Action erability. The parties to this Arbitration Provision acknowledge that the Class Action erability. The parties to this Arbitration Provision acknowledge that the Class Action erability. The parties to this Arbitration Provision acknowledge that the Class Action
 � � � � � � �   the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; the opening, administration and termination of the account; � any transactions involving the account; must be agreed in writing. must be agreed in writing. Claims must be agreed in writing.
 an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other an action of default and/or breach of contract and, in such event, the account and other must be agreed in writing. must be agreed in writing. must be agreed in writing. must be agreed in writing. must be agreed in writing. Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Your Rights If You Are Dissatisfied With Your Credit Card Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases Grace Period for Purchases  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and dated in arbitration with Claims brought by or against someone other than you, unless  Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and Waiver is material and essential to the arbitration of any disputes between the parties and
 related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal related services may be terminated at our discretion. You further agree that should illegal � � � � � � �   any transactions involving the account; any transactions involving the account; any transactions involving the account; any transactions involving the acc any transactions involving the account; any transactions involving the account; any transactions involving the account; � any interest, fees and other charges to the account; ount; If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services that you have purchased with yo If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services th If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services that you have purchased with your credit If you are dissatisfied with the goods or services that you have purchased with your credit at you have purchased with your credit ur credit Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Grace Period for Balance Transfers  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided otherwise agreed to in writing by all parties. is non-severable from this Arbitration Provision. If the Class Actio is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided is non-severable from this Arbitration Provision. If the Class Action Waiver is limited, voided n Waiver is limited, voided Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document fo Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use Your Billing Rights: Keep this Document for Future Use r Future Use
   � any products or services (whether provided by us or a third party) related to or 
 use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or use occur, you waive any right to sue us for such illegal use or any activity directly or Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Cash Advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 � � � � � � � any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; any interest, fees and other charges to the account; card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may card, and you have tried in good faith to correct the problem with the merchant, you may
 or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for t Severability.  The parties to this Arbitration Provision acknowledge that the Class Action 
 offered in connection with the account; or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) or found unenforceable, then the parties� agreement to arbitrate (except for this sentence) his sentence) This This This This This This This notice notice notice notice notice notice notice tells you tells you tells you tells you tells you tells you tells you about about about about about about about your your your your your your your rights rights rights rights rights rights rights and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit and our responsibilities under the Fair Credit
 indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, indirectly related to it, and you agree to indemnify and hold us harmless from any suits, have the right not to pay the have the right not to pay the remaining amount due on the purchase. have the right not to pay the have the right not to pay the remaining amount due on the purchase. have the right not to pay the have the right not to pay the have the right not to pay the  remaining amount due on the purchase.  remaining amount due on the purchase.  remaining amount due on the purchase.  remaining amount due on the purchase.  remaining amount due on the purchase. Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculat Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Calculating Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 ing Average Daily Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 � � � � � � � any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  any  products  or  services  (whether  provided  by  us  or  a  third  party)  related  to  or  us  or  a  third  party)  related  to  or 
   � any use or disclosure of information about you or the account; shall be null and void with respect t shall be null and void with respect to such proceeding, subject to the right to appeal the Waiver is material and essential to the arbitration of any disputes between the parties  shall be null and void with respect to such proceeding, subject to the right to appeal the shall be null and void with respect t shall be null and void with respect t shall be null and void with respect to such proceeding, subject to the right to appeal the shall be null and void with respect t o such proceeding, subject to the right to appeal the o such proceeding, subject to the right to appeal the o such proceeding, subject to the right to appeal the o such proceeding, subject to the right to appeal the Billing Act. Billing Act. Billing Act. Billing Act. Billing Act. Billing Act. Billing Act.
  To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: To use this right, all of the following must be true: Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Purchase Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
 legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r legal action, or liability directly r esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. esulting from such illegal use. offered in conn offered in connection with the account; offered in connection with the account; offered in conn offered in conn offered in connection with the account; offered in conn ection with the account; ection with the account; ection with the account; ection with the account; limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that and is non-severable from this Arbitration Provision.  If the Class Action Waiver is  limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that limitation or invalidation of the limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that  Class Action Waiver. The parties acknowledge and agree that
   � any other matters relating to the account or your credit card relationship with us.
 limited, voided or found unenforceable, then the parties� agreement to arbitrate (except  What To Do If You Find A Mistake On Your Statement W What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement What To Do If You Find A Mistake On Your Statement hat To Do If You Find A Mistake On Your Statement Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Balance Transfer Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or Lost or Stolen Cards/Unauthorized Use. If any card (or convenience check) is lost or 1. 1. 1. 1. 1. 1. 1. The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of  The  purchase  must  have  been  made  in  your  home  state  or  within  100  miles  of 
 � � � � � � � All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Pro- any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account; any use or disclosure of information about you or the account any use or disclosure of information about you or the account; ; under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration under no circumstances will a class action be arbitrated. If any portion of this Arbitration
 I f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box If you think there is an error on your statement, write to us at: BankCard Center, P.O. Box If you think there is an error on your statement, write to us at: BankCard Center, P.O. Box I I f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box If you think there is an error on your statement, write to us at: BankCard Center, P.O. Box f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box I f you think there is an error on your statement, write to us at: BankCard Center, P.O. Box Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Cash Advance Balance  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you stolen or if you think someone used or may use your account without permission, you for this sentence) shall be null and void with respect to such proceeding, subject to  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than  your  current  mailing  address,  and  the  purchase  price  must  have  been  more  than   
 � � � � � � � vision, regardless of whether the Claim: (i) previously existed, is now existing (whether  any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; any collection activity with respect to the account; Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provisi Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be Provision, other than the Class Action Waiver, cannot be enforced, that portion will be on, other than the Class Action Waiver, cannot be enforced, that portion will be
 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit 1545, Memphis, TN 38101-1545. You may also go to www.firsttennessee.com and submit Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Other Fees and Charges  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) agree to notify us immediately by calling 1-800-234-2840 or (901) 818-9250 (Collect) the right to appeal the limitation or invalidation of the Class Action Waiver.  The parties  $50.  $50.  $50.  $50.  $50.  $50.  $50.  (Note:  (Note:  (Note:  (Note:  (Note:  (Note:  (Note:  Neither  Neither  Neither  Neither  Neither  Neither  Neither  of  of  of  of  of  of  of  these  these these  these  these  these  these    is  is  is  is  is  is  is  necessary  necessary  necessary  necessary  necessary  necessary  necessary  if  if  if  if  if  if  if  your  your  your  your  your  your  your  purchase  purchase  purchase  purchase  purchase  purchase  purchase  was  was  was  was  was  was  was  based  based  based  based  based  based  based  on  on  on  on  on  on  on  an  an  an  an  an  an  an 
 discovered or undiscovered) or arises later; (ii) is based on a theory of contract, tort  severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of  severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. severed, and the rest of the Arbitration Provision will continue to apply. the Arbitration Provision will continue to apply. Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee Cash Advance Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 � � � � � � � any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. any other matters relating to the account or your credit card relationship with us. acknowledge and agree that under no circumstances will a class action be arbitrated.  a transaction dispute. You will need to give us the following information:  a transaction dispute. You will need to give us the following information:  a transaction dispute. You will need to give us the following information a transaction dispute. You will need to give us the following information:  a transaction dispute. You will need to give us the following information:  a transaction dispute. You will a transaction dispute. You will need to give us the following information:   need to give us the following information:  : 
 if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide if you are outside the continental United States. Upon our request, you agree to provide advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the  advertisement  we  mailed  to  you,  or  if  we  own  the  company  that  sold  you  the 
 (including intentional tort), negligence, agency or other vicarious liability, fraud, statute,  A Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee Returned Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the f Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity Notwithstanding the foregoing, the word Claim does not include any challenge to the validity oregoing, the word Claim does not include any challenge to the validity If any portion of this Arbitration Provision, other than the Class Action Waiver, cannot  Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve A A rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will re A rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve rbitration Procedures and Law. A single arbitrator chosen by the Administrator will resolve solve
 us such written information as us such written information as us such written information as us such written information as us such written information as us such written information as us such written information as  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation.  we request or require to assist our investigation. � � � � � � � Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. Account information: Your name and account number. good goods or services.) goods or services.) good good good good s or services.) s or services.) s or services.) s or services.) s or services.)
 regulation, constitution, or any other source of law or equity; (iii) seeks monetary dam- Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Late Payment Fee  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 and effect of the Class Action Waiver set forth below, which must be decided by a co and effect of the Class Action Wai and effect of the Class Action Waiver set forth below, which must be decided by a court. and effect of the Class Action Waiver set forth below, which must be decided by a co and effect of the Class Action Waiver set forth below, which must be decided by a co and effect of the Class Action Waiver set forth below, which must be decided by a court. and effect of the Class Action Waiver set forth below, which must be decided by a co ver set forth below, which must be decided by a court. urt. urt. urt. urt. Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration be enforced, that portion will be severed, and the rest of the Arbitration Provision will  Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration Claims pursuant to the rules and procedures of the Administrator and this Arbitration � � � � � � � Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected e Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. Dollar amount: The dollar amount of the suspected error. rror. 2. 2. 2. 2. 2. 2. 2. You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash  You must have used your credit card for the purchase. Purchases made with cash 
 Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that Liability for Unauthorized Use. You will not be liable for any unauthorized use that ages, or declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an  Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fe Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fees  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Collection Costs and Attorneys� Fee es  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 s  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 Provision.  Provision.  continue to apply. Provision.  Provision.  Provision.  Provision.  Provision.  This  This  This  This  This  This  This  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Arbitration  Provision  Provision  Provision  Provision  Provision  Provision  Provision  will  will  will  will  will  will  will  govern  govern  govern  govern  govern  govern  govern  in  in  in  in  in  in  in  the  the  the  the  the  the  the  event  event  event  event  event  event  event  of  of  of  of  of  of  of  conflict  conflict  conflict  con conflict  conflict  conflict  flict  with  with  with  with  with  with  with  the the the the the the the
 All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitr All Claims Subject to Arbitration Provision. All Claims are subject to this Arbitration Provision, ation Provision, � � � � � � � Description of problem: If you think there i Description of problem: If you think there is an error on your bill, describe what you Description of problem: If you think there is an error on your bill, describe what you Description of problem: If you think there i Description of problem: If you think there i Description of problem: If you think there is an error on your bill, describe what you Description of problem: If you think there i s an error on your bill, describe what you s an error on your bill, describe what you s an error on your bill, describe what you s an error on your bill, describe what you advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do  advances from an ATM or with a check that accesses your credit card account do 
 occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs occurs after you notify us. You may, however, be liable for unauthorized use that occurs initial claim, counterclaim, crossclaim, interpleader action, third-party claim or other  Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Security Interest  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Arbitration Procedures and Law. A single arbitrator chosen by the Administrator will  Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be Administrator�s rules and procedures. Discovery procedures available to parties will be
 regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered regardless of whether the Claim: (i) previously existed, is now existing (whether discovered believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. believe is wrong and why you believe it is a mistake. not qualify. not qualify. not qualify. not qualify. not qualify. not qualify. not qualify.
 before you notify us.  before you notify us.  before you notify us.  before you notify us.  before you notify us.  before you notify us.  before you notify us.  action; or (v) is asserted as an individual claim or as part of a class action or other  Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others Account Use by Others  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
 limited by the Administrator�s rules and procedures. T limi resolve Claims pursuant to the rules and procedures of the Administrator and this Ar- limited by the Administrator�s rules and procedures. The arbitrator will apply applicable limited by the Administrator�s rules and procedures. T limited by the Administrator�s rules and procedures. T limited by the Administrator�s rules and procedures. The arbitrator will apply applicable limited by the Administrator�s rules and procedures. T ted by the Administrator�s rules and procedures. The arbitrator will apply applicable he arbitrator will apply applicable he arbitrator will apply applicable he arbitrator will apply applicable he arbitrator will apply applicable
 or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on  or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including or undiscovered) or arises later; (ii) is based on a theory of contract, tort (including a theory of contract, tort (including 3. 3. 3. 3. 3. 3. 3. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase. You must not yet have fully paid for the purchase.
 representative or collective action. (Any Claim asserted as part of a class action or other  You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: You must contact us: Notices Notices Notices Notices Notices Notices Notices  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION ARBITRATION PROVISION substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applicable statutes of limitations and honor bitration Provision. This Arbitration Provision will govern in the event of con?ict with  substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applicable statutes of limitations and honor substantive law consistent with the FAA and applica substantive law consistent with the FAA and applicable statutes of limitations and honor ble statutes of limitations and honor
 intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability,  intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, intentional tort), negligence, agency or other vicarious liability, fraud, statute, regulation, representative or collective action shall proceed in arbitration on an individual basis as  fraud, statute, regulation, If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all of the criteria above are me If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all of the criteria above are met and you are still dissatisfied with the purchase, contact us If all of the criteria above are met and you are still dissatisfied with the purchase, contact us  of the criteria above are met and you are still dissatisfied with the purchase, contact us t and you are still dissatisfied with the purchase, contact us
 legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any the Administrator�s rules and procedures. Discovery procedures available to parties  legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any legally recognized claims of privilege. The arbitrator will have the power to award any � � � � � � � Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Within 60 days after the error appeared on your statement. Def Def Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Default/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 ault/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 ault/Entire Balance Due  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION:  PLEASE READ THE FOLLOWING ARBITRATION PROVISION CARE- ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. ARBITRATION: PLEASE READ THE FOLLOWING ARBITRATION PROVISION CAREFULLY. constitution,  or  any  ot constitution,  or  any  other  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or constitution,  or  any  other  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or constitution,  or  any  ot constitution,  or  any  ot constitution,  or  any  other  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or constitution,  or  any  ot set forth below.) Joint Cardholders, applicants and authorized users on a single ac- her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or her  source  of  law  or  equity;  (iii)  seeks  monetary  damages,  or in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101-1545. You may also in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 in writing at: BankCard Center, P.O. Box 1545, Memphis, TN 38101 -1545. You may also -1545. You may also -1545. You may also -1545. You may also -1545. You may also
 will be limited by the Administrator�s rules and procedures. The arbitrator will apply  � � � � � � � At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days before an automated payment is scheduled, if  At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days before an automated payment is scheduled, if you want to At least 3 business days bef At least 3 business days before an automated payment is scheduled, if you want to ore an automated payment is scheduled, if you want to you want to Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension Non-default Termination or Suspension  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME FULLY. IT PROVIDES FOR MANDATORY ARBITRATION OF CONSUMER CLAIMS  IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME IT  PROVIDES  FOR  MANDATORY  ARBITRATION  OF  CLAIMS  (SUBJECT  TO  SOME declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, declaratory, injunctive r declaratory, injunctive relief, or other remedy or relief; (iv) is asserted as an initial claim, count or multiple accounts for which the same Cardholders are legally responsible will  elief, or other remedy or relief; (iv) is asserted as an initial claim, damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided fo damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the damages or other relief provided for under applicable law, but only with respect to the r under applicable law, but only with respect to the contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While contact us by going to www.firsttennessee.com and submitting a transaction dispute. While Credit Information Credit Information Credit Information Credit Information Credit Information Credit Information Credit Information  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 applicable substantive law consistent with the FAA and applicable statutes of limitations  stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong. stop payment on the amount you think is wrong.
 EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  (SUBJECT TO SOME EXCEPTIONS), INSTEAD OF COURT PROCEEDINGS. IF YOU  EXCEPTIONS),  EXCEPTIONS),  EXCEPTIONS),  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  INSTEAD  OF  OF  OF  OF  OF  OF  OF  COURT  COURT  COURT  COURT  COURT  COURT  COURT  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  PROCEEDINGS.  IF  IF  IF  IF  IF  IF  IF  YOU  YOU  YOU  YOU  YOU  YOU  YOU  OR  OR  OR  OR  OR  OR  OR  WE  WE  WE  WE  WE  WE  WE  ELECT ELECT ELECT ELECT ELECT ELECT ELECT counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is counterclaim, crossclaim, interpleader action, third-party claim or other action; or (v) is be treated as one person for this purpose.  All questions about whether disputes are   is named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The ar named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision named parties and the Claims being arbitrated. The arbitrator and this Arbitration Provision bitrator and this Arbitration Provision we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  we investigate, the same rules apply to the disputed amount as discussed above.  Promotions Promotions Promotions Promotions Promotions Promotions Promotions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 and honor legally recognized claims of privilege.  The arbitrator will have the power to 
 ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM OR WE ELECT ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO  ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM ARBITRATION OF A CLAIM, NEITHER WILL HAVE THE RIGHT TO PURSUE THAT CLAIM asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or asserted as an individual claim or as part of a class action or other representative or subject to arbitration shall be resolved by interpreting this arbitration provision in the  will not be will not be subject to federal, state, or local rules of procedure and evidence applicable to will not be subject to federal, state, or local rules of procedure and evidence applicable to will not be will not be will not be subject to federal, state, or local rules of procedure and evidence applicable to will not be  subject to federal, state, or local rules of procedure and evidence applicable to  subject to federal, state, or local rules of procedure and evidence applicable to  subject to federal, state, or local rules of procedure and evidence applicable to  subject to federal, state, or local rules of procedure and evidence applicable to You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in wr You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but You must notify us of any potential errors in writing (or electronically). You may call us, but iting (or electronically). You may call us, but
 award any damages or other relief that would be available in court and are permitted  After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our decision. At that point, if we After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our d After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our decision. At that point, if we think you After we finish our investigation, we will tell you our decision. At that point, if we think you ecision. At that point, if we think you  think you Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Telephone Monitoring  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION PURSUE THAT CLAIM BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE  BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION BEFORE A JUDGE OR JURY IN COURT OR TO PARTICIPATE IN A CLASS ACTION collective action. (Any Claim asserted as part of a class action  collective acti collective action. (Any Claim asserted as part of a class action  collective action. (Any Claim asserted as part of a class action or other representative or collective action. (Any Claim asserted as part of a class action  collective action. (Any Claim asserted as part of a class action or other representative or collective action. (Any Claim asserted as part of a class action  broadest way the law will allow it to be enforced. on. (Any Claim asserted as part of a class action or other representative or or other representative or or other representative or or other representative or or other representative or lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an lawsuits or to state or local laws relating to arbitration. Either party may choose to have an laws lawsuits or to state or local laws relating to arbitration. Either party may choose to have an uits or to state or local laws relating to arbitration. Either party may choose to have an if  if you do we are not required to investigate any potential errors; and you may have to pay if  if you do we are not required to investigate any potential errors; and you may have to pay if  if you do we are not required to investigate any potential errors; and you may have to pay if  you do we are not required to investigate any potential errors; and you may have to pay you do we are not required to investigate any potential errors; and you may have to pay you do we are not required to investigate any potential errors; and you may have to pay you do we are not required to investigate any potential errors; and you may have to pay
 under the terms and conditions of this Agreement, but only with respect to the named  owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. owe an amount and you do not pay, we may report you as delinquent. Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits Merchant Refunds/Credits  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
 PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT TH PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR IN A CLASS ACTION PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT  PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR PROCEEDING. RIGHTS YOU WOULD HAVE IN COURT THAT MAY BE LIMITED OR AT MAY BE LIMITED OR collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individual basis as set forth below). Joint collective action shall proceed in arbitration on an individ collective action shall proceed in arbitration on an individual basis as set forth below). Joint Initiation of Arbitration. The party electing arbitration must use the arbitration adminis- ual basis as set forth below). Joint arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration  arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be arbitration hearing and to be represented by counsel. An arbitration hearing may be hearing may be the amount in question. the amount in question. the amount in question. the amount in question. the amount in question. the amount in question. the amount in question.
 parties and the Claims being arbitrated.  The arbitrator and this Arbitration Provision will  Assignment Assignment Assignment Assignment Assignment Assignment Assignment  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO  UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO UNAVAILABLE IN ARBITRATION INCLUDE THE RIGHT TO CONDUCT DISCOVERY OR TO cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for cardholders and applicants and authorized users on a single account or multiple accounts for trator shown below and follow its rules and procedures, except as otherwise stated in  conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you not be subject to federal, state, or local rules of procedure and evidence applicable to  conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you conducted by telephone if the parties agree. Any participatory arbitration hearing that you What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter What Will Happen After We Receive Your Letter Captions Captions Captions Captions Captions Captions Captions  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOSE APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS CONDUCT DISCOVERY OR TO APPEAL. FEES AND EXPENSES OF ARBITRATION  APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS APPEAL. FEES AND EXPENSES OF ARBITRATION MAY BE HIGHER THAN THOS E E E E E E which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders a which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or which the same accountholders are legally responsible will be treated as one person or this Arbitration Provision. Copies of its current rules, procedures, forms, and related  re legally responsible will be treated as one person or attend in person will occur at a place designated  attend in person will occur at a place designated by the Administrator at a location within lawsuits or to state or local laws relating to arbitration. Either party may choose to have  attend in person will occur at a place designated by the Administrator at a location within attend in person will occur at a place designated  attend in person will occur at a place designated  attend in person will occur at a place designated by the Administrator at a location within attend in person will occur at a place designated  by the Administrator at a location within by the Administrator at a location within by the Administrator at a location within by the Administrator at a location within When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two things: When we receive your letter, we must do two thin When we receive your letter, we must do two things: gs: Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Applicable Law/Non-Waiver/Severability  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 MAY BE HIGHER THAN THOSE ASSOCIATED WITH COURT PROCEEDINGS. THE 
 ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE ASSOCIATED WITH COURT PROCEEDINGS. THE ARBITRATOR�S DECISION WILL BE cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. cardholder for this purpose. information, including information about how to ?le a Claim, may be obtained by con- the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed an arbitration hearing and to be represented by counsel. An arbitration hearing may be  the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed the federal judicial district that includes your billing address or at some other place agreed 1. 1. 1. 1. 1. 1. 1. Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your lett Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  Within 30 days of receiving your letter, we must tell you that we received your letter.  er, we must tell you that we received your letter.  Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Illegal Transactions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 ARBITRATOR�S DECISION WILL BE BINDING, EXCEPT AS PROVIDED BELOW.
 BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. BINDING, EXCEPT AS PROVIDED BELOW. tacting the Administrator as follows:
 Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator Initiation of Arbitration. The party electing arbitration must use the arbitration administrator upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential conducted by telephone if the parties agree. Any participatory arbitration hearing that  upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential upon by you and us. The arbitrator will use reasonable efforts to protect confidential We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error. We will also tell you if we have already corrected the error.  error. Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use Lost or Stolen Cards/Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 Agreement to Arbitrate. Upon the election of either you or us, any Claims (as de?ned 
 Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined Agreement to Arbitrate. Upon the election of either you or us, any Claims (as defined shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and shown below and follow its rules and procedures. Copies of its current rules, forms and American Arbitration Association information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing you attend in person will occur at a place designated by the Administrator at a location  information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing information if requested to do so by any party. The arbitrator will make any award in writing 2. 2. 2. 2. 2. 2. 2. Within 90 days of receiving your letter,  Within 90 days of receiving your letter, we must either correct the error or explain to  Within 90 days of receiving your letter,  Within 90 days of receiving your letter, we must either correct the error or explain to  Within 90 days of receiving your letter,  Within 90 days of receiving your letter, we must either correct the error or explain to  Within 90 days of receiving your letter,  we must either correct the error or explain to  we must either correct the error or explain to  we must either correct the error or explain to  we must either correct the error or explain to  Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 Liability for Unauthorized Use  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 below), except for Claims ?led in a small claims court, may be resolved by manda-
 below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court,  below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, below), except for Claims filed in a small claims court, may be resolved by mandatory, may be resolved by mandatory, related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: related information may be obtained by contacting the arbitration administrator as follows: Case Filing Services and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. within the federal judicial district that includes your billing address or at some other  and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. and, upon a timely written request, provide a written statement of reasons for the award. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. you why we believe the bill is correct. ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 ARBITRATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7
 tory, binding arbitration. The small claims court exclusion applies only so long as 
                                     BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 BILLING RIGHTS NOTICE  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10
 7 7 7 7 7 7 7 8 8 8 8 8 8 8 9 9 9 9 9 10 10 10 10 10 10 10 M-105907  4/12 11 11 11 11 11 11 11 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221 F01-6904-7 -0811   CP09-73221