SHNP-D-0618(AFTI)
      Interest Rates and Interest Charges
      Annual Percentage Rate (APR)
      for Purchases            23.65% This APR will vary with the market based on the Prime Rate.
      APR for Cash Advances    23.65% This APR will vary with the market based on the Prime Rate. 
      How to Avoid Paying Interest  Your due date is at least 25 days after the close of each billing cycle.  We will 
      on Purchases              not charge you interest on purchases if you pay your entire balance by the due 
                                date each month.
      Minimum Interest Charge  NONE
      For Credit Card Tips from  To learn more about factors to consider when applying for or using a credit card, 
      the Consumer Financial   visit the website of the Consumer Financial Protection Bureau at 
      Protection Bureau        http://www.consumer?nance.gov/learnmore
      Fees
      Annual Fee               $50 per year
      Transaction Fees
          Cash Advance         Either $5 or 3% of the amount of each cash advance, whichever is greater.
         Foreign Transaction   2% of each transaction in U.S. dollars.
      Penalty Fees
         Late Payment          Up to $25
         Returned Payment      Up to $25
       
      How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).�  
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in 
      Paragraph 15 of this Contract.
      Terms and Conditions
     Important Information: Please take the time to read and save. 
      PRESCREEN & OPT-OUT NOTICE: You were selected for this �prescreened� offer of credit because the credit 
      bureau gave us your name and address and indicated that you met our minimum credit criteria (the way you 
      maintain your other credit cards and/or loans). If you do not want to be included on marketing lists you can tell the 
      credit bureaus to stop using your credit information for this purpose. To make this request, you need to notify the 
      credit bureaus at: Experian, DMA Mail Preference Service, P.O. Box 643, Carmel, NY 10512; Equifax Options, P.O. 
      Box 740123, Atlanta, GA 30374-0123; Trans Union Opt-Out Request, P.O. Box 505, Woodlyn, PA, 19094-0505, or call 
      1-888-567-8688.
     Important Information About Procedures For Opening a New Account: To help the government ?ght the funding of 
     terrorism and money laundering activities, Federal law requires all ?nancial institutions to obtain, verify and record information 
     that identi?es each person who opens an account. What this means for you: When you open an Account, we will ask for your 
     name, address, date of birth and other information that will allow us to identify you. This offer is not available to active duty 
     military personnel and their dependents who are covered borrowers (as de?ned in 32 C.F.R. 232.3) under the Military Lending 
     Act.
     Qualify For Future Unsecured Credit: The initial credit limit is $500. You may qualify for a higher initial credit limit based on 
     your debt-to-income ratio and credit pro?le. If you make all your payments on time, plus pay more than the minimum due each 
     month, and subject to other conditions in effect from time to time including your debt-to-income ratio, you may be eligible to 
     receive future credit limit increases. This allows you to increase your credit limit by establishing a good credit history with us. 
     The maximum credit limit is $5,000. 
     Privacy: Financial companies choose how they share your personal information. Federal law gives consumers the right to limit 
     some but not all sharing. All ?nancial companies need to share customers� personal information to run their everyday business. 
     We do not share your personal information except as permitted by law to process your transactions, maintain your account(s), 
     respond to court orders and legal investigations, to report to credit bureaus, or to offer our products and services to you. We 
     will provide a complete Privacy Notice when your account is approved. If you would like a copy of our Privacy Notice, you may 
     obtain one by visiting our website at www.showcardcc.com.
     Electronic Communication: By providing your email address, you are authorizing us to communicate with you at this email address.
     Authorization / Notices: By ?lling out and submitting the application, you are requesting credit from us. You con?rm that all 
     information you provide to us is true and correct.
     Credit Reports: By responding to the credit card offer, you are authorizing us to obtain credit reports about you, both now 
     and in the future, for any legitimate business purpose associated with the account or request for an account, including but not 
     limited to reviewing, modifying, renewing or collecting on your Account. We may report information about your Account to credit 
     bureaus. Late payments, missed payments, or other defaults on your Account may be re?ected on your credit report. You and 
     each authorized user agree that we may report account information to credit reporting agencies in the names of both you and 
     the authorized user(s).
     Optional PREMIUM Club Membership: This optional program offers members discounts on prescriptions, hotels, dining, 
     car rentals and entertainment. The cost of this program is $4.95 per month and is included on your billing statement. You may 
     request cancellation at any time by telephone at 877-827-5828 or writing The PREMIUM Club at PO Box 84634, Sioux Falls, 
     SD 57118-4634. Enrolling or using the services, products or discounts of The PREMIUM Club signi?es your acceptance of 
     the membership and associated fee. This program is offered and administered by CAPITAL Enhancement Services, LLC. The 
     PREMIUM Club is a service mark of CAPITAL Enhancement Services, LLC. All rights reserved. � Copyright 2018, CAPITAL 
     Enhancement Services, LLC.
      Credit Card Contract and Initial Disclosure Statement 
     Please read this contract carefully. Your credit card account is governed by this contract. You become bound by the terms of this 
     contract when you sign your application. In the contract, �bank,� �we,� �our� and �us� refer to Bryant State Bank (Bryant, SD) and 
     we are the creditor named in the application you signed. �You,� �your� and �applicant� are the person(s) who applied to us for the 
     account. �Contract� means the terms and conditions outlined in this contract. �Account� means the credit card account we open for 
     you to use to access the credit we extend to you. �Credit limit� means the maximum account balance you can have at any time.
     1. Y our Responsibility for the Account: You are responsible for the balance on the account and you agree to pay the 
       balance under the terms of this contract. You need to sign the back of the card. You need to protect and control the card by 
       not letting any other person use it. If you let another person use it, you agree to be responsible for any charges they make. 
       We may let you add an authorized user to your account. An authorized user is any person you give permission to use the 
       card or your account. If you add an authorized user, you agree to pay for any charges they make as well as any related 
       fees and interest. If you do not pay for the charges made by the authorized user, we may choose to collect directly from 
       them. If you want to remove an authorized user from your account, you need to get the card from them and notify us. If you 
       cannot get the card, contact us immediately and we will close the account to try to stop further charges. The cards remain 
       our property and you agree to return them at our request or we have the right to have a merchant keep the card and return 
       it to us. If your card is lost or stolen or you suspect unauthorized use of your account, you agree to notify us immediately.
     2.  Using   Your Account to Obtain Credit: You can use the card and your account to make charges as long as you do not 
       charge more than your credit limit. We can close or suspend the account at any time for any reason including if the activity 
       on your account appears suspicious, if we are concerned about repayment or if the balance is over the credit limit. We 
       can also limit the number or amount of charges you can make on the account. You may be assigned a PIN (Personal 
       Identi?cation Number) or you may request a PIN to use ATMs to obtain cash advances. The minimum cash advance is 
       $20.00. Your card and account may not be used for illegal charges. You may not use your card in connection with any 
       gambling transaction.
      3.  Y  our Credit Limit: The credit limit is included in the information sent with your card and on your statements. You may not 
       go over your credit limit at any time. If your balance is more than your credit limit, you must pay the amount over your credit 
       limit immediately. Your cash advance limit will be 50% of your total credit limit. 
      4.  Monthly Billing Statements:   We will send you a statement each month that your account has a balance or there is activity 
       on your account. The statement will show your balance, interest, and fees charged, and your minimum payment and 
       payment due date.
      5.    Payments: Payments should be sent to the address on the payment coupon with your billing statement. If you send a payment 
       to any other address, there may be a delay in crediting it to your account. We are not subject to any term or condition you 
       attempt to impose with your payment. We do not lose any of our rights to collect the full balance if we accept late payments, 
       partial payments or checks or money orders marked �payment in full� or similar language. Do not send us postdated checks. 
       If you do, we may deposit these checks when we receive them and will not be liable for any fees that may result. We will post 
       payments when received but we reserve the right to limit available credit resulting from any payment for up to fourteen (14) 
       days which may be extended if a payment is returned for any reason or if there is other suspicious activity. If your payment is 
       returned unpaid from your bank, we may re-present it electronically. If this occurs, your check will not be sent to your bank but 
       they can get a copy of it at your request.
      6.  Minimum Payment and Monthly Payment:  You may pay your entire balance at any time without penalty. You must pay at 
       least the minimum payment each month by the payment due date. The payment due date will be at least twenty-?ve (25) 
       days from the closing date. The closing date is the last day of the billing cycle.
        Monthly Payment: If your balance is less than $30, the monthly payment is the balance. If your balance is greater than $30, 
       your monthly payment is the largest amount of either $30 or 4% of your balance or 1% of the balance plus the current late 
       fee and interest.
        Minimum Payment: The minimum payment is the sum of any past due monthly payments plus the current monthly payment 
       plus any amount over your credit limit. 
      7.    Applying Your Payments: In general, the payment will be applied in the following order: unpaid interest, unpaid fees and 
       other charges; and then principal balance. Payments applied to the principal balance will ?rst be paid to balances at the 
       highest Annual Percentage Rate (APR) and then to balances at lower APRs.
      8.    Payment  Methods: All payments must be made in U.S. dollars and drawn on a ?nancial institution located in the United 
       States. Do not send cash through the mail. Payments made through the mail in the form of cash or third party checks may 
       not be accepted. Payments cannot be paid at a branch bank. Payments mailed to the payment address and received 
       by 5 p.m. Central Time will be credited the same day. For other payment options, please call Customer Service at  
       (866) 205-8313.
     9. When Interest is Charged:   Interest will be charged if you did not pay the previous balance in full by the payment due 
       date. We will charge interest on the average daily balance. Average daily balance starts with the previous balance and 
       adds purchases and cash advances as of their post dates and fees and charges as of the transaction dates. We subtract 
       payments and credits as of their post dates. Then we add the daily balances and divide by the number of days in the 
       billing cycle. Billing cycle means the time between two billing statements. To calculate the interest, we multiply the average 
       daily balance by the monthly periodic rate. The monthly periodic rate is calculated by dividing the annual percentage rate 
       (currently 23.65%, which is the prime rate plus 18.65%) by 12 (months). The current monthly periodic rate is 1.9708%.       
       The Prime Rate is determined by using the �Money Rates� column in the Wall Street Journal on the ?rst business day of 
       each month, which is identi?ed as �The base rate on corporate loans at large, U.S. money center commercial banks.� If 
       more than one �Prime Rate� is listed in that column, the largest rate listed will be used. Your APR may increase or decrease 
       if the Prime Rate changes. 
     10.   Account Fees: You agree to pay us the following fees which will be billed to your account as a purchase and will accrue interest.
      a.  Annual Fee: A $50 annual fee will be billed on your ?rst billing statement and then about the same time each year.
      b.  Cash Advance Fee: You will be billed a fee of $5 or 3% of the amount of each cash advance, whichever is greater, for 
         each cash advance taken through an ATM, bank withdrawal or other means.
      c.  Late Fee: You will be billed up to $25 if your payment is not received by the payment due date.
      d.  Returned Payment Fee: You will be billed up to $25 if your payment is returned for any reason.
      e.  Foreign Transaction Fee: We charge a 2% fee for converting transactions to U.S. dollars if made in another currency.
      f.  Optional   Authorized User Fee: If you add an authorized user, there is a $20 annual authorized user fee.
      g.  Copy Fee: We will charge a $5.00 per item fee if you request a duplicate of any sales draft, statement or other document. 
         We will charge you for each copy we provide.
      h.  Rush Card Fee: We will charge $25 for a replacement card rush request
      i.  Replacement Card Fee: We will charge $5 to replace your credit card.
     11. Lost or Stolen Cards:   If your card is lost, stolen or being used without your permission, call us toll free at (866) 205-8313 
       24 hours a day. You should also write to us. Do not use the card or account after you have noti?ed us. You will not be 
       responsible for paying for any unauthorized use after you notify us of the loss, theft or unauthorized use.
     12.  If Card is Refused: We are not responsible and have no liability if your card or account is not accepted for a charge. 
       Although you may have the credit available, we may be unable to authorize credit due to system dif?culties, fraud or credit 
       veri?cations, or mistakes. If your account is over the credit limit or past due, authorization for charges should be declined.
     13.Cardholder     Privacy: We will send you a privacy notice annually. Your telephone calls with our representatives may be 
       recorded for quality and other purposes. We may use automated telephone equipment or pre-recorded telephone calls to 
       contact you at any number you provide to us or that we obtain, including any cellular telephone number. You agree that 
       we will not be responsible for the release of information to anyone who has gained possession of a card or identi?cation 
       number, account number or social security number.
      14.  Calls and Text Messages to Your Cellular Phone: If you provide us with your cellular phone number or contact us from 
        your cellular phone, you are providing this phone number for us, our af?liates or any third party acting on our behalf to 
        contact you at this number. You agree that we may use this phone number to contact you for any business purpose about 
        your account and you agree to be responsible for any fees or charges you incur as a result of providing this information. 
        You may request this number not be used. We may offer options for text messages or other electronic communications that 
        may be received or accessed from your cellular phone and you agree that by enrolling in these services, you understand 
        and agree to be responsible for any fees or charges you incur as a result of this enrollment.
      15.  Your Billing Rights: Keep this Document for Future Use. This notice tells you about your rights and our responsibilities 
        under the Fair Credit Billing Act.
        What to do if you ?nd a mistake on your statement: If you think there is an error on your statement, write to us at: Bryant 
        State Bank, PO Box 5161, Sioux Falls, SD 57117-5161. In your letter, give us the following information: Your name and account 
        number; the dollar amount of the suspected error; a description of the problem. If you think there is an error on your bill, describe 
        what you believe is wrong and why you believe it is a mistake. You must contact us: 1) Within 60 days after the error appeared 
        on your statement; and, 2) If you have enrolled in automatic payment, at least 3 business days before the payment is scheduled 
        if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call 
        us but if you do, we are not required to investigate any potential errors and you may have to pay the amount in question.
        When we receive your letter, we must do two things: Within 30 days of receiving your letter, we must tell you that we 
        received your letter. We will also tell you if we have already corrected the error. Within 90 days of receiving your letter, we 
        must either correct the error or explain to you why we believe the bill is correct.
        While we investigate whether or not there has been an error: We cannot try to collect the amount in question or report 
        you as delinquent on that amount. The charge in question may remain on your statement and we may continue to charge 
        you interest on that amount. While you do not have to pay the amount in question, you are responsible for the remainder of 
        your balance. We can apply any unpaid amount against your credit limit.
        After we ?nish our investigation, one of two things will happen: If we made a mistake: You will not have to pay the 
        amount in question or any interest or other fees related to that amount. If we do not believe there was a mistake: You will 
        have to pay the amount in question along with applicable interest and fees. We will send you a statement of the amount you 
        owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. 
        If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still 
        refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We 
        must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when 
        the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the ?rst $50 of the 
        amount you question even if your bill is correct.
        Your rights if you are dissatis?ed with your Credit Card purchases: If you are dissatis?ed with the goods or services that 
        you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may 
        have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1) The 
        purchase must have been made in your home state or within 100 miles of your current mailing address,and the purchase 
        price must have been more than $50. These limitations do not apply if your purchase was based on an advertisement we 
        mailed to you, or if we own the company that sold you the goods or services. 2) You must have used your credit card for the 
        purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not 
        qualify. 3) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatis?ed with 
        the purchase, contact us in writing at: Bryant State Bank, PO Box 5161, Sioux Falls, SD 57117-5161. While we investigate, 
        the same rules apply to the disputed amount as discussed above. After we ?nish our investigation, we will tell you our 
        decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.
      16.  ARBITRATION: PLEASE READ THIS PROVISION OF THE CONTRACT CAREFULLY. YOU AGREE THAT ANY 
        DISPUTE WILL BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO 
        COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR 
        PROCEEDING. IN ARBITRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR INSTEAD OF A JUDGE OR JURY. 
        ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES. YOU ALSO 
        AGREE ANY ARBITRATION WILL BE LIMITED TO THE DISPUTE BETWEEN YOU AND US AND WILL NOT BE PART 
        OF A CLASS-WIDE OR CONSOLIDATED ARBITRATION PROCEEDING.
       a.  Agreement to Arbitrate: You and we agree that any dispute will be resolved by arbitration. This provision of the contract is 
         governed by the Federal Arbitration Act (FAA), 9 USCS � 1 et seq. and the substantive law of the state of South Dakota.
       b.  De?nitions: Arbitration is a means of having an independent third party resolve a dispute. A �dispute� is any controversy or 
         claim between you and us. The term dispute is to be given its broadest possible meaning and includes, without limitation, 
         all claims or demands (whether past, present or future, including events that occurred prior to the opening of this 
         account), based on any legal or equitable theory (tort, contract or otherwise), and regardless of the type of relief sought 
         (i.e. money, injunctive relief or declaratory relief). A dispute includes, by way of example and without limitation, any claim 
         based upon federal or state constitution, statute, ordinance, regulation, or common law, and any issue concerning the 
         validity, enforceability or scope of this arbitration agreement. The term �you� includes any cosigner, co-obligor, guarantor, 
         joint user or authorized user and also your heirs, guardian, personal representative or trustee in bankruptcy. The term 
         �us� includes our employees, of?cers, directors, attorneys, af?liated companies, predecessors and assigns, as well as 
         our marketing, servicing and collection representatives and agents.
       c.  Selection of arbitrator. If a dispute arises, the party asserting the claim or defense must initiate arbitration, provided you 
         or we may ?rst try to resolve the matter informally or through customary business methods, including collection activity. 
         The party ?ling arbitration may initiate and pursue the matter with the American Arbitration Association (�AAA�) or we may 
         agree upon a different arbitrator described below. If you claim you have a dispute with us, but do not initiate arbitration 
         or select an arbitrator, we may do so. You may obtain copies of the current rules of AAA and forms and instructions for 
         initiating arbitration by contacting them as follows: American Arbitration Association, 335 Madison Avenue, Floor 10, New 
         York, NY 10017-4605. Website: www.adr.org. The policies and procedures of the arbitrator will apply provided that they are 
         consistent with this arbitration agreement. To the extent the arbitrator�s rules or procedures are different than the terms of 
         this arbitration agreement, the terms of this agreement shall apply. If the AAA is not available to adjudicate the matter, or if 
         the AAA is not convenient or acceptable to you, you and we may agree on one or more neutral arbitrators. If you and we 
         cannot agree on arbitrator(s), an arbitrator will be appointed by a court with jurisdiction over the matter pursuant to the FAA.
       d.  Cost of Arbitration: We will pay the ?ling fee and any costs or fees charged by the arbitrator regardless of whether you 
         or we initiate the arbitration. Except where otherwise provided by applicable law, each party will be responsible for its 
         own attorneys� fees and other expenses. Unless prohibited by law, the arbitrator may award fees, costs and reasonable 
         attorneys� fees to the party who substantially prevails in the arbitration.
       e.  Place of Arbitration: Unless you and we agree to a different location, the arbitration will be held in the same city as the 
         U.S. District Court closest to your then-current mailing address. The arbitrator may decide the matter based upon written 
         submissions by the parties if permitted under the arbitration rules.
       f.  W  aiver of Rights: You are waiving your right to a jury trial, to have a court decide your dispute, to participate in a class 
         action lawsuit and to certain discovery and other procedures that are available in a lawsuit. The arbitrator has the ability 
         to award all remedies available by statute, at law or in equity to the prevailing party. You and we agree that the arbitrator 
         has no authority to conduct class-wide proceedings and will be restricted to resolving the individual disputes between you 
         and us. If an arbitration ?rm or arbitrator fails or refuses to enforce the waiver of class-wide arbitration, then the dispute will 
         proceed in court. The validity, effect and enforceability of this waiver of class action lawsuit and class-wide arbitration is to 
         be determined solely by a court of competent jurisdiction and not by the arbitration ?rm or arbitrator. If such court refuses to 
         enforce the class-wide arbitration waiver, then it is agreed the dispute will proceed in court rather than arbitration.
       g.  Review of Arbitration Award. The arbitrator shall apply applicable federal and South Dakota substantive law and the 
         terms of your agreements with us. The arbitrator shall make written ?ndings and the arbitrator�s award may be ?led with 
         any court having jurisdiction. The arbitration award shall be supported by substantial evidence and must be consistent 
         with your agreements with us and applicable law or may be set aside by a court upon judicial review.
       h.   Other Provisions: If any portion of this arbitration agreement is subsequently deemed unenforceable, the enforceability of 
         any other provision of this agreement shall not be affected and the unenforceable term shall be amended such that it is 
         enforceable to the maximum extent permitted by law provided that if a class action litigation or a class-wide arbitration is 
         permitted for any reason, either party may require that the entire dispute be heard by a Judge, sitting without a jury, under 
         applicable court rules and procedures. This arbitration provision shall survive: (i) termination or changes in your agreements 
         with us, the account, or the relationship between you and us concerning the account; (ii) the bankruptcy of any party; and 
         (iii) any transfer, sale or assignment of the Account, or any amounts owed on the account, to any other person or entity.
       i.  Right to Opt-Out: If you do not wish to agree to arbitrate all disputes with us, you must advise us in writing at the following 
         address within thirty (30) days of our mailing this agreement to you at the most recent mailing address we have for you: 
         Bryant State Bank, PO Box 5161, Sioux Falls, SD 57117-5161.
      17.  Delay in Enforcement: We can delay enforcing or fail to enforce any of our rights under this contract without losing our 
        right to enforce them at a later time.
      18.  Credit Reports and Credit Reporting: You authorize us to obtain credit reports about you for any legitimate business 
        purpose. We may obtain a credit report for reviewing, modifying the terms, renewing the account or collection. We may 
        report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your 
        account may be re?ected in your credit report. You and each authorized user agree that we may report account information 
        to credit reporting agencies in the names of both you and the authorized user.
      19.  Change in Terms of Your Credit Account: We may change any term of this contract at any time upon notice to you as is 
        required by law. You may have the right to reject the change in terms, depending on the type of change, and if you do, your 
        account will be closed and you will be able to pay off the balance under the terms in effect at that time.
      20.  Law Governing this Contract: This contract is entered in the State of South Dakota where the decision to grant credit will 
        be made. Therefore, this contract will be governed by the laws of the State of South Dakota applicable to contracts, and 
        applicable Federal law.
      21.Severability: If any provision of this contract is invalid or unenforceable under any law, rule or regulation of any governmental    
        agency, Federal, state or local, it shall not affect the validity or enforceability of any other provision of this agreement.
      22.Default: You will be in default of this contract if any of the following occur:   
        a. If you do not make a minimum payment on your account on or before the payment due date;
        b. If you die or become legally incompetent;
        c. If you become insolvent or bankrupt;
        d. If you exceed or attempt to exceed your credit limit;
        e. If you provide us with or have provided us with false or misleading information or signatures at any time;
        f.  If you fail to comply with this contract;
        g. If you request an excessive number of replacement cards; or
        h. We reasonably deem the prospect of repayment of your account to be in jeopardy for any reason.
        If you are in default, we may immediately cancel your account and we do not have to give you notice of cancellation. We 
        can also require that you pay us the balance on your account. You agree that you will return the card(s) to us. Even if an 
        account is in default, you agree to pay interest and fees as de?ned in this contract until your balance is paid in full. If your 
        account is in default and you try to make charges, we can use any legal means to recover the card(s) including listing your 
        account in warning bulletins and offering rewards for the return of the cards. If you resolve a default situation, we can still 
        declare your Account in default for the same or different reason at a later time.
      23.Cancellation: You may cancel your account at any time by notifying us in writing at the address on your monthly statement    
        and returning all cards issued on your account (cut in half). Even if your account is closed, you agree to pay the balance on 
        the account under the terms of this contract. We can suspend your account privileges or cancel your account at any time, 
        for any reason. We will notify you after we do so, unless you are in default at that time. We will have no obligation to notify 
        you prior to suspending your charging privileges or cancelling your account.
      24.Our property: Each card that we issue on your account must be signed by the person named on it. You agree to surrender    
        the card upon demand by us or our agents.
     25.  Refund of Initial Fees: If you cancel your account within 90 days after the card is ?rst mailed to you and if you have not 
       used your account for any charges, all fees and interest billed to your account will be credited back to your account.
     26.Collection     Costs: Unless prohibited by applicable law, if we start collection proceedings to recover amounts you owe us 
       by reason of this contract, you agree to pay reasonable attorney�s fees and other collection costs.
     27.Headings: The headings used in this contract are for the convenience of reference only and are not intended in any way    
       to de?ne or describe the scope or intent of any provision of this contract.
     28.State Notices:   
       a.    California residents: A married applicant may apply for a separate account. As required by law, you are hereby noti?ed 
         that negative credit reporting may be submitted to a credit reporting agency if you fail to ful?ll the terms of your credit 
         obligations. After credit approval, each applicant shall have the right to use the account up to the limit of the account. 
         Each applicant may be liable for amounts extended under the plan to any joint applicant.
      b.    Kentucky residents: You may pay the unpaid balance of your account in whole or in part at any time.
       c.    New  York  residents: Consumer reports may be requested in connection with the processing of the application and 
         any resulting account. Upon your request, we will inform you of the names and addresses of any consumer reporting 
         agencies which have provided us with such reports. New York residents may contact the New York Department of 
         Financial Services to obtain a comparative list of credit card rates, fees and grace periods. New York Department of 
         Financial Services 1-800-342-3736 or http://www.dfs.ny.gov/consumer/creditdebt.htm.
      d.    Ohio  residents: The Ohio laws against discrimination require that all creditors make credit equally available to all 
         creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon 
         request. The Ohio Civil Rights Commission administers compliance with this law.