JCB INTERNATIONAL CREDIT CARD CO., LTD. 
P. O. Box 71565, Los  Angeles, CA 90071-0565 
Cardmember Services (800) 366-4522 

Dear Cardmember: 

JCB CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE UNDER THE FEDERAL TRUTH IN LENDING ACT 

Before  using  the  enclosed  card,  read  this  Agreement  carefully.    This  Agreement  governs  the  Marukai  Hawaii  Premium  JCB  Credit  Card  Account 
(“Account”) and the Marukai Hawaii Premium JCB Card (“Card”) that JCB International Credit Card Co., Ltd. (“we”, “us,” or “our”) has established by 
you.  By signing, accepting or using the Card, you agree to all of the terms written below.  We thank you for choosing JCB. 

USE OF ACCOUNT.  You can use your Card to obtain cash, goods, or services.  You agree that you will use your Card primarily for personal, 

1. 
family or household purposes. 

Purchases.  You can use your Card to pay for goods and services at any and all merchant locations and service providers that honor the Card.  Any 
such use of your Card will be treated as a “purchase.” 

Cash Advance.  You can use your Card to obtain cash from branch offices of participating financial institutions or automated teller machines (“ATM”) 
linked to a participating ATM network.  Any such use of your Card will be treated as a “cash advance.” 

Convenience Checks.  We may, from time to time, issue convenience checks to you.  Convenience Checks allow you to write a check to a third party 
and the check is drawn against the Account.  Convenience Checks are treated the same as cash advances and are referred to in this Agreement as 
“check advances.” 

2. 
CREDIT LIMIT / CASH LIMIT.  You agree not to make purchases that result in your Account balance exceeding the credit limit we set for your 
Account.  You agree not to make cash or check advances that result in your Account balance exceeding the cash limit we set for your Account.  The 
initial credit limit is set forth on the face of your Card carrier.  The credit limit and the cash limit can be found on your monthly statement.  We reserve 
the right to reduce your credit limit or cash limit. 

3. 
PROMISE TO PAY.  You promise to pay us for all purchases, cash advances, interest charges, fees and other charges associated with your 
Account.  You also agree to be responsible for charges (i) incurred by persons who have actual, implied or apparent authority to use your Card(s) 
and/or Account or (ii) from which any of you receives benefit, whether tangible or intangible. 

4. 
PAYMENTS.  Each month you will be billed for charges to your Account.  You may elect to pay only a portion of the amounts owing on your 
Account  each  month,  but  you  agree  to  pay  at  least  the  Minimum  Payment  Due  by  the  Payment  Due  Date  shown  on  your  billing  statement.    The 
Minimum Payment Due will be 3% of the New Balance shown on your billing statement or $15 (whichever is greater), plus any part of the previous 
month’s Minimum Payment Due that is past due, and any amount by which your New Balance exceeds your assigned credit limit.  A New Balance of 
$15 or less must be paid in full. 

Payments 1) received by 5 p.m. local time at the address shown on the remittance coupon on the front of your billing statement; 2) paid with 
check  or  draft  drawn  in  US  dollars  on  a  U.S.  financial  institution  or  a  U.S.  dollar  money  order;  and  3)  sent  in  the  return  envelope  with  only  the 
remittance coupon from your billing statement, will be posted on the same business day of the receipt.  Payments received after 5 p.m. local time at 
the remittance address on any day including the Payment Due Date, but that otherwise meet the above requirements; will be credited as of the next 
business  day.    Any  other  payments,  credit  may  be  delayed  up  to  five  days.    Payments  received  with  post-dated  checks  will  be  deposited  upon 
receipt. 

The Payment Due Dates for your Account will always fall on the same date each month and you have 27 days from your Statement Closing Date 
until the next Payment Due Date. If your due date falls on a weekend or holiday, your payments received on the next business day will be credited to 
your Account as received on the due date without late penalties. 

We  can  accept  late  payments  and  partial  payments  marked  “Payment  in  Full”  (or  similar  language)  without  losing  our  rights  including  the  right  to 
obtain full payment of the amount owed on your Account.  

Payment by  third  party  check or  draft  that  has been endorsed  by  you to us is not acceptable.  Payment by  check or  draft made directly  to us but 
drawn by anyone other than you may be rejected at our option. 

How we apply your payments: The Minimum Payment Due is applied at our discretion.  Any payments that exceed the Minimum Payment Due, 

are applied to the balance with the highest interest rate first. 

FOREIGN  TRANSACTIONS.    If  you  use  the  Card  for  a  transaction  in  a  currency  other  than  U.S.  dollars,  we  and  our  affiliate  company  will 
5. 
convert such transaction amount into U.S. dollars pursuant to the then-applicable conversion procedures and operating regulations.  Currently, we 
and our affiliate company use wholesale exchange rates, with the exception of certain currencies where there are government-mandated exchange 
rates.   In each case, such  applicable  rate  will  be increased  by 1.1%  by our  affiliate  company  as an exchange fee  and  we  will bill  you  for the U.S. 
dollar amount so calculated.  If a credit is issued for a transaction, the credit amount will be calculated in the same manner.  The currency conversion 
rate used on the conversion  date may differ from the  rate in  effect  on the  date  you transact on the  Card  or the  date on  which such  transaction is 
posted.  You agree to accept such converted amount in U.S. dollars. 

VARIABLE  RATE  INFORMATION.    If  you carry a balance or transact Cash  or Check Advances on  your Account,  we will charge interest at 

6. 
your VARIABLE ANNUAL PERCENTAGE RATE (APR).  

The  VARIABLE  ANNUAL  PERCENTAGE  RATE  may  change  quarterly  on  the  first  day  of  the  billing  cycle  beginning  in  April,  July,  October,  and 
January, based on the Prime Rate on the second Tuesday on March, June, September, and December.  Any increase will have the effect of higher 
monthly  payments  and  higher  interest  charges.    If  The  Wall  Street  Journal  stops  publishing  the  Prime  Rate,  we  reserve  the  right  to  choose  a 
comparable index. 

The  VARIABLE  ANNUAL  PERCENTAGE  RATE  is  calculated  by  adding  9.9%  to  the  Prime  Rate.  This  applies  to  purchases,  cash  and  check 
advances shown on your statement.  This VARIABLE ANNUAL PERCENTAGE RATE shall not exceed 18.0%. The INTEREST CHARGE is posted 
to your Account at the end of the billing cycle in a single amount as part of the New Balance. As of December 13, 2011, the applicable Prime Rate is 
3.25%.  Daily periodic rate currently is 0.036027%. 

PERIODIC  INTEREST  CHARGE  CALCULATION.    Interest  charge  on  purchases  and  interest  charge  on  cash  or  check  advances  are 

7. 
calculated separately. We use a method called “average daily balance (including new purchases)” as follows: 

PURCHASE BALANCE SUBJECT TO PERIODIC INTEREST CHARGE:  If you pay your New Balance at the beginning of a billing cycle in full by the 
Payment Due Date, no Periodic Interest Charges will be imposed on purchase transactions for the billing cycle.  For balances not paid in full, we will 
determine the daily purchase balance by (a) starting with the day’s beginning purchase balance for the Account, (b) adding any purchases or other 
charges  posted that day, (c) subtracting  any  payments  or credits  posted that day, and (d) subtracting any  outstanding  cash  and  check advances, 
Interest Charges or Account fees, (e) dividing the sum of (a) to (d) by the number of days in the billing cycle. 

CASH AND CHECK ADVANCE BALANCE SUBJECT TO PERIODIC INTEREST CHARGES:  We  will determine the cash and check advance 
balance subject to periodic Interest Charges by (a) starting with the day’s beginning cash balance for the Account, (b) adding any cash and check 
advances, (c) subtracting any payments or credits posted that day, and (d) subtracting any outstanding purchases, Interest Charges or Account fees, 
(e) dividing the sum of (a) to (d) by the number of days in the billing cycle. 

Transaction Interest Charge.  Each time you obtain cash or check advance, you agree to pay an INTEREST CHARGE of $2.00 or 2% of the amount 
of  the  advance,  whichever  is  greater.    The  assessment  of  a  cash  or  check  advance  Interest  Charge  may  increase  the  VARIABLE  ANNUAL 
PERCENTAGE RATE on your periodic statement above the corresponding VARIABLE ANNUAL PERCENTAGE RATE. 

Grace Period For Purchases.  We will not assess a Periodic Interest Charge on purchases in a billing cycle if we receive the New Balance shown on 
your previous billing statement by the Payment Due Date (which is twenty-seven (27) days after the closing date of the billing cycle).  If we do not 
receive the entire New Balance by the Payment  
Due  Date,  Periodic  Interest  Charges  will  accrue  on  all  purchases,  from  the  beginning  of  the  billing  cycle  or  the  date  they  were  posted  to  your 
Account, whichever is later. 

No  Grace  Period  For  Cash  and  Check  Advances.    There  is  no  grace  period  for  cash  and  check  advances.    Periodic  Interest  Charges  accrue  on 
advances from the date they are posted to the Account. 

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8.  OTHER FEES AND CHARGES.  

Annual Fee.  There will be no annual credit card fee imposed for the first year.  After that, an annual credit card fee of $15.00 will be imposed. 

Late Charge Fee.  You will have at least twenty-seven (27) days between the Billing Cycle Closing Date and the Payment Due Date shown on your 
billing statement.  If we do not receive the Minimum Payment Due within two days after the Payment Due Date, you agree to pay a late charge up to 
$15.00 is imposed for the billing period. 

No Over-limit Fee. No over-limit fee is assessed on your Account. However, please note that we may decline any transaction that may cause you to 
exceed your credit limit. 

Dishonored Check Charge.   You agree to pay up to  $15.00 for each dishonored check or money order presented  to us for  payment for the billing 
period. We reserve the right to impose the interest charge for the billing period in accordance with the Agreement for the payment amount that was 
not processed. 

Service  Charges.    If  you  request  a  duplicate  statement  or  copy  of  any  sales  draft  or  other  document  concerning  any  charge  reflected  on  a  billing 
statement, we will supply copies for $5.00 each, payable in advance.  If you request information that requires research, a fee of $15.00 per hour will 
be charged to your Account.  However, if any request for copies or research is made to dispute a charge on the Account, and it turns out the charge 
was in error, we will credit the Account for any service charges imposed. 

Collection Costs.  You agree to pay the costs of collecting the Account or retrieving the Card, including court costs and reasonable attorneys’ fees 
and costs, whether or not a lawsuit is filed. 

Fees Related to Method of Payment. 
 We will not impose a separate fee to allow you to repay an extension of credit or Interest Charge, whether 
such repayment is made by mail, electronic transfer, telephone authorization, or other means, including such payment involves an expedited service 
by us to avoid late charges. 

The above fees and charges will be assessed to the extent permitted by applicable law. 

EQUAL  CREDIT  OPPORTUNITY  ACT  NOTICE.     The  federal  Equal  Opportunity  Act  prohibits  creditors  from  discriminating  against  credit 
9. 
applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding 
contract);  because  all  or  part  of  the  applicant’s  income  drives  from  any  public  assistance  program;  or  because  the  applicant  has  in  good  faith 
exercised any right under the Consumer Credit Protection Act.  

10.  CREDIT  BALANCE.  If  a  credit  balance  (represented  by  an  amount  with  a  minus  “-“  sign)  is  shown  on  your  statement,  it  represents  money 
owed to you.  If you do not make sufficient charges against the credit balance or request a refund, we will issue a check to you for the credit balance 
if the  amount is $1.00  or more  within  30  days  after  expiration of the  six month  period following the date of the first statement indicating the credit 
balance.  To obtain a refund of a credit balance, please write to us at JCB International Credit Card Co., Ltd., 700 S. Flower Street, Suite 1000, Los 
Angeles, CA 90017. 

11.  FINANCIAL  DATA  AND CREDIT  INFORMATION.  You agree to give us a current financial statement or new credit information, from time to 
time,  upon  request.    From  time  to  time  we  may  release  information  about  our  experience  with  you  and  your  credit  records  to  credit  bureaus  and 
others.    We  can  reinvestigate  any  information  you  provided  on  your  application  at  any  time,  and  in  the  course  of  doing  so  we  may  ask  you  for 
additional information, request credit bureau reports and otherwise verify your credit standing. 

12.  CHANGE OF PERSONAL INFORMATION.  You agree to notify us immediately of any change in your name or address.  Your notice must be 
sent to us at the address appearing on the front of your statement. 

13.  UNAUTHORIZED USE.  You agree to contact us by telephone immediately if someone uses your Card without your permission or if your Card 
is lost or stolen.  You can call toll-free, twenty-four (24) hours a day, at: 800-366-4522.  We will replace your card(s) without any fees. 

You  may  be  liable  for  the  unauthorized  use  of  your  Card.    You  will  not  be  liable  for  unauthorized  use  that  occurs  after  you  notify  us,  orally  or  in 
writing, of the loss, theft, or possible unauthorized use. In any case, your liability will not exceed $50.00. 

14.  MERCHANT RELATIONS.  We will not be responsible if any merchant or financial institution refuses to honor your Card.  If you  
have a dispute concerning any merchandise or service purchased using your Account, you agree to attempt to resolve the dispute directly with the 
merchant.  We will not be responsible for errors in cash advance transactions that are due to malfunctions in ATMs. 

15.  AUTHORIZATIONS.    We  reserve  the  right  to  deny  authorization  of  any  purchase  or  cash  or  check  advance  transaction  without  prior 
notification. You agree that neither we nor any merchant or authorization service we use shall be liable for any authorization denial. 

16.  TERMINATION OF ACCOUNT. 

Termination By You.  You may terminate your Account at any time by returning all current Card(s) to us and writing us that you wish to cancel the 
Account.  No termination fee will be charged to you.  Your letter and the Card(s) must be sent to us at JCB International Credit Card Co., Ltd., 700 S. 
Flower Street, Suite 1000, Los Angeles, CA 90017. 

Termination By Us.  We may terminate your Account at any time, with or without cause, upon giving you only such notice as is required by law.  No 
termination fee will be charged to you.  If we terminate your Account, you must immediately return all Card(s) and Convenience Check(s) to us.  Any 
use of Card(s) or Convenience Check(s) after your Account has been terminated may be considered fraudulent.  Terminating the Account does not 
require you to immediately pay off the remaining balance. 

If you or we terminate your Account, you will still be responsible for charges to your Account, even if they are made or processed after your Account 
is closed.  You will be responsible to pay the outstanding balance on your Account according to the terms of this Agreement. 

17.  CARD  SURRENDER.   You agree  to surrender such Card to us  or  to  our agents  upon  demand, and to promptly cease use of and  return all 
Cards and Convenience Checks upon termination of your Account. 

18.  LIABILITY.  If you applied for an Account as an individual and were approved, then your Account is an individual Account.  If you applied for an 
Account with another person as a joint Account and were approved, then your Account is a joint Account.  If you requested that an additional person 
be given a Card to use your Account (whether the Account is an individual Account or a joint Account), and we issued you an additional Card for that 
person, then that person is an Authorized User.  If your Account is an individual Account, you are liable for the full amount of all purchases, cash and 
check  advances,  Interest  Charges,  miscellaneous  charges  and  fees,  and  any  other  monetary  obligations  associated  with  the  Account,  including 
charges in excess of your credit limit and including any charges by an Authorized User.  If your Account is a joint Account, each of you has the right 
to use the Account to the extent of the credit limit and each of you is jointly and severally liable for the full amount of all purchases, cash and check 
advances, Interest Charges, miscellaneous charges and fees, and any other monetary obligations associated with the Account, including charges in 
excess of your credit limit and including any charges by an Authorized User or by the joint applicant on your joint Account. 

19.  WAIVERS.    We  may  waive  or  decline  to  enforce  any  of  our  rights  under  this  Agreement  at  any  time  without  affecting  our  ability  to  enforce 
those same rights at another time.  Our ability to enforce our remaining rights is not affected if we waive any of our rights. 

20.  ELECTRONIC TERMINALS.  If you have been or are later given a Personal Identification Number (“PIN”) to access your Account at ATMs, 
you agree not to disclose your PIN to others.  You also agree that we may terminate your use of ATMs without cause or prior notice. 

21.  CHANGE IN TERMS.  Subject to applicable law, we can change the terms of this Agreement, including terms relating to interest rates and fees 
that may  be imposed and including  adding  new contract terms that differ in kind from the terms and conditions included in this Agreement,  at  any 
time.   

Subject to applicable law, you will be notified of significant changes in terms of the Account, including interest rates and fees, not later than 45 days 
prior to the effective date. When certain terms change, you may have the right to cancel the Account. Closing or canceling the Account does not 
require you to immediately pay off the remaining balance. With some exceptions, you can also opt out of, or refuse, those changes before the 
effective date except your Minimum Payment Due. Once you opt out of, or refuse those changes, 1) your Account may be closed, 2) JCB Cash Back 
Points Program may be cancelled and 3) Card benefits become unavailable. Please contact our Cardmember Services at 1-800-366-4522 for more 
information. 

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No increase in annual percentage rate (APR), fee, or Interest Charge on your credit card Account shall be effective before the end of the 1-year 
period beginning on the date on which your Account is opened. Changes in a variable rate that occur quarterly in the index are not included in this 
limitation. 

22.  ASSIGNMENT.   We  have  the  right  to  assign  all  or  any  portion  of  this  agreement  and  the  outstanding  balance  of  your  Account  at  any  time, 
without providing prior notice. 

23.  GOVERNING LAW/CONFLICTING TERMS.  The rights and obligations between you and us concerning the Account are governed by and 
interpreted according to California and federal law.  Your Account has been approved and agreed to in California, credit is extended to you in 
California, your payments are received in California, and your payments are completed when we actually receive collected funds in California from 
your payment check.  Any dispute between you and us will be decided under California law.  The terms of this Agreement supersede any conflicting 
terms set forth on any sales slip or advance document.  If any one or more parts of this Agreement are found to be unenforceable, the remainder of 
the Agreement will remain in full force and effect. 

24.  JCB  CASH  BACK.  Your Account is eligible to receive JCB Cash Back Points when the Card is used for purchase (but not cash advances, 
check advances, finance charges, and other fees and charges).   
1)  You  will  earn  one  (1)  JCB  Cash  Back  point  for  every  $100.00  in  net  purchases  transactions  (net  of  purchases,  chargebacks,  and  chargeoffs) 
posted to your Account during a billing period for first $1,000.00 purchases from the first statement cycle in each calendar year. 
 2)  You  will  also  earn  two  (2)  JCB  Cash  Back  points  for  every  $100.00  in  net  purchases  transactions  (net  of  purchases,  chargebacks,  and 
chargeoffs) posted to your Account during a billing period for next $2,000.00 purchases in the same calendar year. 
 3)  You  will  also  earn  three  (3)  JCB  Cash  Back  points  for  every  $100.00  in  net  purchases  transactions  (net  of  purchases,  chargebacks,  and 
chargeoffs) posted to your Account during a billing period for over $3,000.00 purchases in the same calendar year.   
 4) You will also earn fifteen (15) JCB Cash Back bonus points if the purchases over $1,000.00 in each calendar year, or fifty (50) JCB Cash Back 
bonus points if the purchases over $5,000.00 in each calendar year. 

If your Account has at least ten (10) JCB Cash Back Points outstanding on your Account monthly billing statement, you may redeem the JCB Cash 
Back Points in  writing  or by  telephone.  You are entitled to  receive $1.00 for  every one JCB Cash Back Point  redeemed,  which  will be credited to 
your Account.  A credit balance can not be refunded if such credit balance resulted from the redemption of JCB Cash Back Points.  JCB Cash Back 
Points in one calendar year expire at the end of the next calendar year. JCB Cash Back Points in one calendar year expire at the end of the next 
calendar year. JCB Cash Back Points Redemption requests for closed or past due status Accounts will not be processed. 

25.  MARUKAI MEMBERSHIP.  You are required to remain a legal resident of the State of Hawaii and to maintain your membership with Marukai 
Corporation (“Marukai membership”) to maintain your Account and Card.  Marukai Corporation currently provides the Marukai Hawaii Premium JCB 
Card feature regular-fee “regular” Marukai memberships charged at $10.00 annually.  In the event that the termination of your Marukai membership 
is known to us,  we reserve the right to replace  your Account and Card  with a JCB Silver Card Account.   You will receive a new Agreement  which 
governs  the  JCB  Silver  Card  Account  and  the  JCB  Silver  Card.    Your  Marukai  membership  is  a  Marukai  Corporation  program,  and  we  have  no 
control  over  or  responsibility  for  the  terms  and  conditions  of  your  Marukai  Corporation  program.    Your  Marukai  membership  will  be  subject  to  a 
separate  agreement  that  you  executed  with  Marukai  Corporation.    The  anniversary  date  of  your  Marukai  membership  will  be  superseded  by  the 
anniversary date of your Account.  The Marukai Membership Charge that is assessed by Marukai Corporation on your Marukai membership will be 
billed to your Account beginning with your next anniversary date.  Marukai Corporation is not a party to this Agreement, does not participate in any 
extensions  of  credit  under  this  Agreement,  and  has  no  authority  to  make  any  credit  decisions  or  other  decisions  relating  to  the  Account.    You 
authorize Marukai to verify your Marukai membership status with us, and you authorize us to notify Marukai if and when I become a Marukai Hawaii 
Premium JCB Cardmember and in the event that you cease to be a Marukai Hawaii Premium JCB Cardmember. 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash and Check Advances 
(including Balance Transfers) 
Paying Interest  

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Set-up and Maintenance Fees 

•  Annual Fee 

Transaction Fees 

•  Cash and Check Advance 

(including Balance Transfers) 

Foreign Transaction 

• 
Penalty Fees 
• 
Late Payment 
•  Over-the-Credit Limit 
•  Returned Check 

13.15%* 
This APR will vary with the market based on the Prime Rate 
13.15%* 
This APR will vary with the market based on the Prime Rate 
Your due date is at least 27 days after the close of each billing cycle.  We will not 
charge you interest on purchases if you pay your entire balance by the due date 
each month.  We will begin charging interest on cash and check advances 
(including balance transfers) on the posted date. 
To learn more about factors to consider when applying for or using a credit card, 
visit the website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

NO ANNUAL FEE for the first year.  
$15.00 annually from the second year. 

Either $2 or 2% of the amount of each cash or check advance (including balance 
transfers), whichever is greater 

1.1% on each transaction before conversion to U.S. dollars. 

Up to $15.00 
$0.00 
Up to $15.00 

How We Will Calculate Your Balance: 
We use a method called “average daily balance (including new purchases).” 
The Prime Rate used to determine the APR is the rate published in The Wall Street Journal on December 13, 2011, which was 
3.25%.  The APR may change quarterly on the first day of the billing cycle beginning in April, July, October and January, based 
on the Prime Rate on the second Tuesday of March, June, September and December.   
*The APR will not exceed 18.0%.   

Your Billing Rights: Keep This Document For Future Use 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

If you think there is an error on your statement, write to us at: 

JCB International Credit Card Co., Ltd. 
700 S. Flower St., Suite 1000, Los Angeles, CA 90017 

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MHP-TILA (03-2012) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
In your letter, give us the following information: 

• Account information: Your name and account number. 
• Dollar amount: The dollar amount of the suspected error. 
• Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 

You must contact us: 

• Within 60 days after the error appeared on your statement. 
• At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and  you 
may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the 
error. 
2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error: 

• We cannot try to collect the amount in question, or report you as delinquent on that amount. 
• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
• We can apply any unpaid amount against your credit limit. 

After we finish our investigation, one of two things will happen: 

• If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
• If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send 
you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we 
think you owe.  

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, 
we  cannot  report  you  as  delinquent  without  also  reporting  that  you  are  questioning  your  bill.  We  must  tell  you  the  name  of  anyone  to  whom  we 
reported you as delinquent, and we must let those organizations know when the matter has been settled between us. 

If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If  you  are  dissatisfied  with  the  goods  or  services  that  you  have  purchased  with  your  credit  card,  and  you  have  tried  in  good  faith  to  correct  the 
problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. 

To use this right, all of the following must be true: 

1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must 
have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we 
own the company that sold you the goods or services.) 
2. You must have used  your credit card for the  purchase. Purchases made  with cash advances from an ATM  or  with a check that accesses 
your credit card account do not qualify. 
3. You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: 

JCB International Credit Card Co., Ltd. 
700 S. Flower St., Suite 1000, Los Angeles, CA 90017 

While  we  investigate,  the  same  rules  apply  to  the  disputed  amount  as  discussed  above.  After  we  finish  our  investigation,  we  will  tell  you  our 
decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 

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