Consumer Credit Card Agreement and Disclosure Statement 

Effective Date 1/1/2016 

1.0: ISSUER. Your California Bank & Trust Card has been issued by ZB, N.A. dba California Bank & Trust. Your Account 
is with ZB, N.A. (“Bank”) and will be administered by the Bank’s Bankcard Services department. Your Credit Card, 
monthly, statement, and other associated materials will bear the California Bank & Trust name.  
1.1: THIS CREDIT CARD AGREEMENT ("Agreement") is a legal contract between you and California Bank & Trust that 
governs your credit card Account. It replaces all previous agreements, addendums, disclosures and amendments for your 
credit card Account. This Consumer Credit Card Agreement includes the disclosures provided on the card carrier 
containing the Card and any subsequent disclosures, all of which are fully incorporated herein by reference, and 
constitutes your Agreement with us that covers your credit card Account. Review this Agreement carefully and keep it in 
your records. 
1.2: ACCEPTING OR DECLINING THIS AGREEMENT. This Agreement is automatically accepted by you on the earlier 
of (a) 15 days after you received your Card, or (b) immediately upon any use of your Card or Account. If you wish to 
decline this Agreement, do not use your Card or Account, and cancel them within 15 days of receiving your Card by 
calling 1-866-749-7460 or writing to the address on the carrier containing your Card. 
1.3: DEFINITIONS FOR THIS AGREEMENT. The definitions listed below will apply throughout, both in this Agreement 
and in your monthly statement.  
Bank: Means ZB, N.A., the issuer of your Card and holder of your Account. 
We, us, and our: Refer to Bank. 
You and your: Refer to the one or more persons who receive credit from us and are liable on the Account, including the 
primary applicant and any co-applicant. 
Account: Means your Visa credit card account, together with the associated account number, all that we grant under that 
account, and all Card(s) issued and any Credit Card Checks made available under that account. 
Card Agreement: Means this Agreement, together with your Card Application and the carrier containing your Card.  
Card Application: Means your credit application for your Account. 
Card: Means the credit card(s) and associated card number(s) that Bank issues as part of your Account. 
Credit Limit: Means the maximum dollar amount of credit that Bank has authorized for your Account. 
Outstanding Balance: Means the entire amount owing on your Account at any given time. 
Cash Back: Is a cash-back rebate program of Bank for certain types of Accounts. 
Credit Card Checks: Means checks that Bank may provide you to access your Account.  
Margin: The applicable Margin for your credit card Account is determined by Bank. The Margin depends on Bank’s 
determination of your creditworthiness, the type of credit card Account you have, and the type of transaction for which you 
use your Card. The Margin applicable to your credit card Account may be changed by Bank and Bank will notify you of 
such change. 
1.4: AMENDING THIS AGREEMENT. We may amend, add or delete (i.e., “change”) any term of this Agreement at 
any time. We will notify you of any change, and any right to reject that change, as required by law. To reject a change, 
you must inform us in the manner and time period specified in our notice. We will then close your Account and you will be 
required to pay your Outstanding Balance as provided by applicable law. If a change requires your consent, we may 
obtain that consent from you verbally, in writing or electronically. Whether or not consent is required, any further use of 
your Account after the effective date of the change shall constitute your consent and acceptance. Unless a longer period 
is specified by law, a reasonable period for any notice to you shall not exceed 25 days from being sent. Notices may be 
printed on, or enclosed with, your monthly statement. 
1.5: CREDIT LIMIT. Your Account’s initial Credit Limit appears on the carrier containing your Card. Your updated Credit 
Limit appears on each monthly statement. You must not use or allow others to use your Card or Account in a way that 
causes your Outstanding Balance to exceed your Credit Limit. We are not obligated to enforce the Credit Limit, and you 
are liable for the Outstanding Balance even if it exceeds your Credit Limit. We may increase or decrease your Credit Limit 
at any time and will notify you of such change. You may request a change in your Credit Limit by contacting us. 

2.0: THE CARD. You agree to sign the back of the Card before using it. The Card is the property of the Bank. We can 
require you to surrender your Card to us or to any merchant or financial institution where you have presented the Card. 
The Card is not valid after its printed expiration date, but we may suspend, cancel, replace or renew your Card at any 
time. You may request additional Cards at no additional cost for family members or other persons that you authorize to 
use your Account, but you remain responsible for all of their charges.  

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3.0: USING YOUR CARD AND ACCOUNT. Subject to your Credit Limit and the other restrictions in this Agreement, card 
network rules and the law, your Card and Account can be used for the following:  
3.1: Purchases. The Card may be used to purchase or lease goods or services wherever the Card is accepted. 
3.2: Cash Advances. The Card may be used to obtain cash advances from your Account (1) in person at the Bank or any 
participating financial institution, (2) by electronic online cash advance to another account, or (3) ATMs in the Bank 
network or other participating ATM networks (listed on the back of your Card). Transaction fees apply to cash advances. 
Certain transaction limits apply, such as restricting the sum of all ATM and electronic online cash advances in your 
Account to $500 (or $2000 limit for Signature accounts) or less on any calendar day. Some ATMs have other limits. Based 
on risk, we may further limit cash advances in our sole discretion. We have no obligation to you to enforce such 
transaction limits, and you owe all cash advances made. Using your Card to withdraw cash from an ATM located outside 
of the United States will create a cash advance from and charge to your credit card Account, even if you select withdrawal 
from a checking, savings or other type of account. ”Quasi cash transactions” such as using your Card for money orders, 
travelers’ checks, foreign currency, lottery tickets or gambling chips are treated as cash advances, not purchases.  
3.3: Balance Transfers. You can request a balance transfer to your Account. You may not use a balance transfer to pay 
off other debts to us. You may only make a balance transfer to pay accounts in your name. Allow 4 to 6 weeks to process 
your balance transfer request. During that time, you should continue making payments to those accounts. Transaction 
Fees apply. You will not earn any rewards points or cash back rebates on a balance transfer.  
3.4: Credit Card Checks. We may provide Credit Card Checks to access your Account. Use of a Credit Card Check 
creates a cash advance. Transaction Fees apply. Unused Credit Card Checks are the Bank’s property and must be 
returned upon request. We can revoke your privilege to use Credit Card Checks at any time, without cause or notice. You 
cannot stop payment on a Credit Card Check.  

4.0: MONTHLY STATEMENTS. We will send you a monthly statement summarizing each transaction on your Account 
during the preceding billing period. Your monthly statement will show the total amount you owed at the end of the billing 
period, your minimum payment due, your payment due date (which is at least 25 days from the monthly statement closing 
date), and other important information. We send your monthly statement to only one address, even if the Account has 
multiple owners. See the “BILLING RIGHTS SUMMARY” section near the end of this Agreement for important information 
(including the need to promptly review your monthly statement and report any errors). 

5.0: HOW THE NEW BALANCE IS DETERMINED. The total amount you owe us at the end of the current billing period 
appears as the “New Balance” on your monthly statement. The Outstanding Balance at the end of the previous billing 
period is called the “Previous Balance”. The New Balance is determined by taking the Previous Balance and (1) 
subtracting any payments and credits received by us during the current billing period and then (2) adding any purchases, 
cash advances, balance transfers, interest charges, fees, and other adjustments. 

6.0: PAYMENTS. You must pay all amounts due on your Account according to the terms of this Agreement. Payments 
must be drawn on U.S. dollars deposited in the United States. If we accept any other payment, you must pay all 
conversion fees, bank collection fees and other expenses we may incur. (Such fees and expenses are treated as 
purchases.) Do not send cash payments. 
6.1: Payment Due Date. Your payment due date is the same date each month. If the minimum payment is not received 
by 5:00 p.m. on the due date, in the manner and at the location specified in the billing statement, there may be a delay in 
posting your payment to your Account. Such delay may result in a late payment fee and additional interest charges. 
6.2: Minimum Payment Amount. If the New Balance is less than $30, the minimum payment is the full amount of the 
New Balance. If the New Balance is $30 or more, the minimum payment is the sum of (1) any past due amount and (2) 
the greater of: (a) $30 plus any late payment fees, or (b) 2.5% of the New Balance plus interest charges and any late 
payment fees. (For Visa Signature Cards, in addition to the foregoing amounts, your minimum payment amount will 
include the full amount by which your New Balance exceeds your credit limit.) For all cards, making only the minimum 
payment will increase the amount of interest you pay and the time it takes to repay your balance. 
6.3: Application of Payments. Payments credited to your Account during a billing period will be applied first to unpaid 
interest charges, then to any fees, then to the balance having the highest Annual Percentage Rate (APR), and then to 
each successive balance bearing the next higher APR until the payment is exhausted. Balances having the same APR 
will be paid beginning with the oldest balance first. You must pay at least the minimum payment amount on your 
statement each month, even if you paid more than the minimum payment in an earlier month. 
6.4: Partial or Nonconforming Payments. You must not mark any payment with any kind of restrictive endorsement 
(such as “paid in full” or “in settlement”). We can receive and credit your Account with the amount of any late payments, 
partial payments or payments with restrictive endorsements without losing or waiving our right to receive timely payment 
in full.  
6.5: Delay of Available Credit. We apply your payment to your Account on the business day we receive it. Based on risk, 
however, we may delay when that payment increases your Account’s available credit.  
6.6: Prepayment. You may repay all or any portion of the Outstanding Balance at any time without penalty. 

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7.0: RATES AND FEES: Annual Percentage Rates, Daily Periodic Rates, and Fees and other disclosures are found on 
the Table at the end of this agreement. The card carrier containing your Card also includes disclosures specific to your 
Card Account. The terms of these disclosures are incorporated by reference into this Agreement. Review these 
disclosures carefully and keep in your records. 

8.0: DEFAULT. Your Account will be in default in any of the following circumstances: (a) your minimum payment is not 
received at the proper address on or before the payment due date; (b) you fail to honor any other obligation under this 
Agreement; (c) you die, file for bankruptcy, or become insolvent or generally unable to pay your debts; (d) you have 
furnished false or misleading information on the Card Application; (e) you are in default under any other obligations you 
may owe to us; or (f) we reasonably believe that you are unable or unwilling to honor all of your obligations under this 
Agreement. If your Account is in default, we may declare the Outstanding Balance immediately due and payable, close 
your Account, and recover all Cards and unused Credit Card Checks. 

9.0: ATTORNEYS’ FEES; COLLECTION EXPENSES; VENUE IN CALIFORNIA. You agree to pay our reasonable 
collection expenses, whether or not any court or arbitration proceedings are filed. Collection expenses include reasonable 
attorneys’ fees, the cost of Bank staff (including in house counsel), and out of pocket expenses (whether or not such 
expenses are awardable as “court costs”). Unless prohibited by law, you agree that we may bring legal action against you 
in the State of California, regardless of where you reside. 

10.0: INTEREST CHARGES. The following interest charges will apply whether before or after default, judgment, or the 
closing of your Account. 
10.1: Periodic Interest Charges on Purchases, Balance Transfers and Cash Advances. We will not charge periodic 
interest on purchases and balance transfers if you pay in full the total New Balance listed on the previous monthly 
statement by the payment due date. Otherwise, we will charge periodic interest on each purchase and balance transfer 
from the date of that purchase or balance transfer transaction. For every cash advance we charge interest from the date 
of that transaction. There is no grace period during which a cash advance can be repaid without incurring an interest 
charge. 
10.2: Periodic Interest Charge Calculation(s). The interest charged on purchase transactions and balance transfers is 
calculated separately from the interest charged on cash advances. Those separately calculated interest amounts are then 
combined to determine the total interest charged for the billing period. For each category of transactions, interest is 
calculated as follows. (1) First, we determine the “average daily balance” by taking each day’s beginning balance, adding 
any new transactions, and subtracting any payments or credits. We do not add interest incurred during the billing period. 
The result is the “daily balance.” We then add all the daily balances for the billing period and divide by the number of days 
in the billing period. The result is the “average daily balance” (also called the “balance subject to interest charge” on your 
monthly statement). (2) Second, we multiply the average daily balance by the number of days in the billing period. That 
number is then multiplied by the daily periodic rate (DPR) for that category of transactions. The resulting number is the 
interest charged for that category of transactions. If you are charged interest, the minimum interest charge will be no less 
than $1. 

11.0: ANNUAL PERCENTAGE RATE (“APR”) AND DAILY PERIODIC RATE (“DPR”). The APR and DPR for all 
transactions are variable rates. The APR for a particular billing period is the sum of the Bank’s “Prime Rate” for that 
billing period plus a “Margin.” The applicable Margin depends on the type of transaction and the type of credit card 
Account. Daily periodic interest is calculated using the DPR. The DPR is 1/365th of the APR (or 1/366 in a leap year). The 
APR and DPR on the Effective Date are disclosed on the card carrier. The actual APR in effect for each billing period, and 
for each category of transactions, is disclosed in your monthly statement. 
11.1: “Prime Rate” and the “Index”. The Prime Rate is equal to, and varies with, an independent index (the “Index”). 
The Index is the U.S. prime rate, as published by the Wall Street Journal. For any particular billing period, the Bank’s 
Prime Rate is the published Index rate for the day that precedes by 6 business days the first calendar day of the calendar 
month in which that billing period ends (If a range of rates is published for that date, the highest of the rates is used). If the 
Index becomes unavailable, the Bank may designate a substitute Index in its sole discretion. Your APR and DPR, and the 
amount of your minimum payment, will increase or decrease as the Index and Bank’s Prime Rate increase or decrease. 
The resulting changes in your APR and DPR will take effect on the first day of your billing cycle the following month. You 
acknowledge that the Bank’s Prime Rate does not mean the lowest rate at which Bank makes loans to any of its 
customers, now or in the future.  

12.0: ACCOUNT AND OTHER FEES. Fees applicable as of the effective date of this Agreement are provided on the 
carrier containing your card. 
12.1: Cash Advance Fee. Each new cash advance will be assessed a one-time fee. This fee is fully earned when 
assessed, and added to the balance of the transaction. 
12.2: Balance Transfer Fee. Each new balance transfer will be assessed a one-time fee. This fee is added to the 
balance of the transaction. 

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12.3: Late Payment Fee. If your minimum payment is not received at the proper address by the payment due date, we 
charge a late payment fee.  
12.4: Returned Payment Fee. If any check or other payment on your Account is dishonored or must be returned because 
it cannot be processed, we charge a returned payment Fee. This fee is charged to your Account as a purchase item. 
12.5: Annual Account Fee. If your Account has an Annual Account Fee, generally it will be billed at account opening and 
every twelve (12) months thereafter. The amount of the Annual Account Fee, if there is one on your Account, is listed in 
the Table that appears on the carrier containing your Card.  
12.6: International Transaction Fee. Each international transaction will be assessed a fee of the U.S. dollar amount of 
the transaction. This fee applies whether your transaction is originally made in U.S. dollars or converted to U.S. dollars 
from a foreign currency. If you incur a charge in a foreign currency, the charge will be converted into U.S. dollars amount 
by Visa International using its procedures in effect at the time. Under current procedures, the foreign currency conversion 
rate is either a wholesale market rate or a government mandated rate in effect one day prior to the date the transaction is 
processed by Visa. The currency conversion rate in effect on the processing date may differ from the rate in effect on the 
transaction date or the posting date. This fee is added to the balance of the transaction.  
12.7: Research Fee. If you request research on your Account (except for alleged billing errors by us), we may charge you 
a research fee up to $25 per hour, plus $5 per photocopy. This fee is charged to your Account as a purchase item. 
12.8: Expedited Card Delivery Fee, and Emergency Card Fee. We may charge a fee if you request “expedited delivery” 
of a Card that requires an outside delivery service provider. We may also charge a fee if you request to personally obtain 
an “emergency Card” at our Bankcard Center that requires special card production. The current amounts of these fees will 
be disclosed at the time of your requests and before you agree to incur the charges. These fees are charged to your 
Account as a purchase. 

13.0: ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO VISA SIGNATURE CARD: 
13.1: Credit Limit: The Credit Limit on your Card Account is disclosed on each monthly statement (your initial Credit Limit 
appears on the carrier containing the Card). Bank may decline authorization for any use of your Card or Card Account that 
would at any time cause your Outstanding Balance to exceed your Credit Limit. You are liable for the Outstanding 
Balance even if it exceeds your Credit Limit. The Bank may increase or decrease your Credit Limit at any time and will 
notify you of such change. In addition, you may request a change in your Credit Limit by writing to the address shown on 
your monthly statement or by calling 1-800-494-1698. 

14.0: SECURITY INTEREST FOR SECURED ACCOUNTS. If you have a Launch Secured Account (a credit line secured 
by funds in a savings or CD account at Bank), you have given the Bank a security interest in a savings account at the 
Bank to secure payment of your Account.  

15.0: JOINT ACCOUNT. If your Account is in the name of more than one person, each such person is jointly and 
individually liable for the full balance of all amounts due on your Account. Unless otherwise required by law, we may send 
all monthly statements and other notices to any one of you. Such monthly statements and notices shall be deemed 
received by each and all of you. 

16.0: INTERPRETATION; EFFECT. 
16.1: Duration; Survival. Your right to use the Card or make charges to your Account terminates when your Account is 
closed. All of our rights and your obligations remain in effect until your Account is closed and your Outstanding Balance is 
paid in full. 
16.2: Headings. The headings used in this Agreement are for convenience only and do not describe the entire scope or 
intention of any portion of this Agreement. 
16.3: Integrated Agreement. This Agreement is the final written statement of your contract with us and cannot be 
contradicted with evidence of any alleged oral agreement. 
16.4: Severability. If any part of this Agreement is unenforceable in any jurisdiction, the rest of this Agreement will remain 
enforceable in that jurisdiction, and this entire Agreement shall remain enforceable in all other jurisdictions.  
16.5: Delay in Enforcement. Any delay by us in enforcing our rights or your obligations under this Agreement shall not be 
deemed to release, waive, impair or discharge those rights or obligations.  
16.6.: Assignment. You may not assign or transfer any portion of this Agreement or your Account without our prior 
written permission. We may assign or transfer this Agreement, your Account or any portion thereof without notice to you. 
This Agreement shall be binding upon the parties’ heirs, representatives, successors, and assigns. 
16.7: GOVERNING LAW. THIS AGREEMENT AND YOUR ACCOUNT SHALL BE GOVERNED BY AND CONSTRUED 
IN ACCORDANCE WITH THE LAWS OF THE UNITED STATES AND THE STATE OF CALIFORNIA, REGARDLESS 
OF PRINCIPLES ON THE CONFLICT OF LAWS OR WHERE YOU RESIDE OR USE YOUR CARD. 

17.0: DISCLOSURES OF INFORMATION. You consent to the release of personal data about you by the Bank to Visa 
U.S.A., its Members, or their respective contractors for the purpose of providing the services described in this Agreement, 
or emergency cash and emergency card replacement services. 

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18.0: NO ILLEGAL USE; OFAC SANCTIONS; INTERNET GAMBLING PROHIBITED. You must not use your Account, 
Card or Credit Card Checks (a) for any illegal purpose; (b) for any transaction or in any manner that violates the law; (c) to 
conduct transactions in any country or territory, or with any individual or entity, that is subject to economic sanctions 
administered and enforced by the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC); or (d) to 
gamble on the Internet. Display of a Visa logo or other payment system logo by any person (e.g., an online merchant), or 
acceptance of a transaction, does not mean that the transaction is lawful in all or any jurisdictions governing you, your 
Account or the transaction. We have the right (but no obligation to you) to decline or block any transactions that we 
believe may be prohibited under this section. We may also block use of your Card in countries or territories subject to 
OFAC sanctions. You remain liable for, and you must indemnify us for, any transactions made in violation of this section.  

19.0: AGREEMENT TO PAY: You agree to timely pay your Outstanding Balance, regardless of whether the charges were 
incurred for personal, family, household or business purposes. Your liability includes all charges made by all persons you 
permitted or gave express, implied or apparent authority to use your Account, Card, or Credit Card Check even if you 
were unaware of the charges or they caused you to exceed your Credit Limit.  

20.0: LIABILITY FOR UNAUTHORIZED USE: If your Card, Account number or Credit Card Checks are lost or stolen, or 
if you think that someone used or may use them without permission, you agree to notify the Bank immediately by calling 
1-866-749-7460. You may need to provide the Bank with certain information in writing to help the Bank determine what 
happened. You are not liable for loss, theft, or unauthorized use of your Card, Card Account, or Credit Card Check if you 
notify the Bank of any fraudulent transactions. 
20.1: Liability for Unauthorized Transactions: You are not liable for unauthorized use of your card for transactions if 
you notify the Bank within two business days. In any case, your liability will not exceed $50. 

21.0: REFUSAL TO HONOR TRANSACTIONS: We are not responsible or liable for any claim arising from or related to: 
(a) the refusal or delay of any financial institution, merchant, or other person to honor or return your Card, Account or 
Credit Card Check; (b) any goods or services obtained with your Card Account or Credit Card Check (except to the extent 
provided in “Billing Rights Summary” notice near the end of this Agreement); (c) any unsuccessful attempt to obtain prior 
credit authorization for any transaction when the authorization system is not working; or (d) any unsuccessful attempt to 
use the Card in an ATM when the ATM or ATM network is not working or is temporarily closed or out of order. 

22.0: FINANCIAL AND CREDIT INFORMATION. 
22.1: Financial Statements. If we ask, you agree to furnish a current financial statement or to update the Card 
Application. 
22.2: Credit Reports and Negative Credit Reporting. You hereby authorize us to make credit inquiries or investigations 
about you, and to disclose to others credit information about your Account and your performance under this Agreement. 
We may ask credit bureaus for reports of your credit history. At your request, we will tell you whether or not we have 
requested such reports, and the names and addresses of the credit bureaus furnishing the reports. We may act through 
our agents, who may act in our name or their own names. 
22.3: Negative Credit Reporting. You are hereby notified and agree that we may report information about your 
Account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected 
in your credit report. We may report through our agents (including but not limited to Zions Management Services 
Company) who may act in our name or their own names. Please notify us if we report any inaccurate information about 
your Account(s) to a credit bureau. Your written notice describing the specific inaccuracy should be sent to us at the 
following address: California Bank & Trust, Bankcard Services, P.O. Box 25787, Salt Lake City, UT 84125. 

23.0: CHANGE OF NAME OR ADDRESS. You agree to promptly notify us in writing if you change your name, home 
address, or mailing address. Until you notify us of updated information, we can send statements, notices and other 
communications to the name and address in our records, and they will be deemed effectively delivered for all purposes. If 
your mailing address appears to no longer be valid (e.g., mail is returned undelivered), you agree that we can suspend 
mailing your statements, notices and other communications until a valid address is received from you. 

24.0: CLOSING YOUR ACCOUNT: You may close your Account at any time by notifying us in writing. We may close your 
Account at any time without cause and without notice. When your Account is closed (whether by you or us), your right to 
use the Account, Card and Credit Card Checks is automatically revoked. When your Account is closed, you must contact 
everyone authorized to charge transactions to your Account (e.g., internet service providers, insurance companies, etc.) 
to cancel future transactions. Such transactions may continue to be charged to your Account until you change the billing, 
and you will be liable for those charges. If we believe that you have authorized a transaction or are attempting to use your 
Account after you have requested to close your Account, we may (but are not required) allow the transaction to be 
charged to your Account and you will be liable for the charges. 

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25.0: DISPUTE RESOLUTION PROVISION. This Dispute Resolution Provision contains a jury waiver and a judicial 
reference agreement. READ IT CAREFULLY. No portion of this Dispute Resolution Provision shall be interpreted or 
applied in a manner prohibited by governing law, but all other portions shall remain in effect. 

25.1: GENERAL PROVISIONS GOVERNING ALL DISPUTES. 

25.1.1: PRIOR DISPUTE RESOLUTION AGREEMENTS SUPERSEDED. This Dispute Resolution Provision shall 
supersede and replace any prior “Jury Waiver,” “Judicial Reference,” “Class Action Waiver,” “Arbitration,” 
“Dispute Resolution,” or similar alternative dispute agreement or provision between or among the parties 
relating to this Agreement or the subject matter hereof. 

25.1.2: “DISPUTE” DEFINED. As used herein, the word “Dispute” includes, without limitation, any claim by either party 
against the other party related to this Agreement, your Card or Account. Disputes include without limitation class 
action claims brought by either party as a class representative on behalf of others and claims by a class 
representative on either party’s behalf as a class member and any action, suit, case or claim brought by either 
party as a private attorney general. Disputes also include without limitation matters involving the validity, enforceability, 
meaning or scope of this dispute resolution provision and disputes based on or arising from an alleged tort or matters 
involving the employees, officers, agents, affiliates or assigns of a party hereto. 

If a third party is a party to a Dispute (such as a credit reporting agency, merchant accepting a credit card, junior 
lienholder or title company), each party hereto agrees to consent to including that third party in any arbitration or judicial 
reference proceeding for resolving the Dispute with that third party. 

25.1.3: JURY WAIVER; CLASS ACTION WAIVER. Each party waives its, his or her respective rights to a trial 
before a jury in connection with any Dispute. All Disputes shall be decided by a judge sitting without a jury, unless 
resolved in a judicial reference proceeding pursuant to Section 26.1.5. If permitted by applicable law, each party also 
waives the right to litigate in court or a reference proceeding any Dispute as a class action, either as a member of 
a class or as a representative, or to act as a private attorney general. 

25.1.4: SURVIVAL. This Dispute Resolution Provision shall survive any termination, amendment or expiration of this 
Agreement or of any other relationship between the parties. 

25.1.5: JUDICIAL REFERENCE. To the extent a jury waiver or class action waiver is not permitted by applicable law and 
a Dispute arises between the parties hereto, each party shall have the right, but not the obligation, to require that it be 
resolved by judicial reference in accordance with California Code of Civil Procedure, Sections 638, et seq. BY 
AGREEING TO RESOLVE DISPUTES BY JUDICIAL REFERENCE, EACH PARTY IS GIVING UP ANY RIGHT THAT 
PARTY MAY HAVE TO A JURY TRIAL. The referee shall be a retired judge, agreed upon by the parties, from either the 
American Arbitration Association (AAA) or Judicial Arbitration and Mediation Service, Inc. (JAMS). If the parties cannot 
agree on the referee, the party who initially selected the reference procedure shall request a panel of ten retired judges 
from either AAA or JAMS, and the court shall select the referee from that panel. If AAA and JAMS are unavailable to 
provide this service, the court may select a referee by such other procedures as are used by that court. The referee shall 
be appointed to sit with all of the powers provided by law, including the power to hear and determine any or all of the 
issues in the proceeding, whether of fact or of law, and to report a statement of decision. The parties agree that time is of 
the essence in conducting the judicial reference proceeding set forth herein. Except as otherwise provided in this 
paragraph, the costs of the judicial reference proceeding, including the fee for the court reporter, shall be borne equally by 
the parties as the costs are incurred, unless otherwise awarded by the referee. If Bank commences a judicial reference 
proceeding regarding a consumer Dispute, Bank shall pay all referee fees, regardless of whether or not the consumer is 
the prevailing party in such proceeding, unless such Dispute involves a claim for damages by a consumer and is found by 
the referee to be frivolous. For purposes of this paragraph, “consumer Dispute” shall mean a Dispute involving credit or 
services provided by Lender or Bank, primarily for personal, family or household purposes, in which the claim for 
damages is less than $75,000. The referee shall hear all pre-trial and post-trial matters (including without limitation 
requests for equitable relief), prepare a statement of decision with written findings of fact and conclusions of law and 
apportion costs as appropriate. The referee shall be empowered to enter equitable relief as well as legal relief, provide all 
temporary or provisional remedies, enter equitable orders that are binding on the parties and rule on any motion that 
would be authorized in a trial, including without limitation motions for summary adjudication. Judgment upon the award 
shall be entered in the court in which such proceeding was commenced and all parties shall have full rights of appeal. 
This provision will not be deemed to limit or constrain Bank’s right of offset, to obtain provisional or ancillary remedies, to 
interplead funds in the event of a dispute, to exercise any security interest or lien Bank or Lender may hold in property, or 
to comply with legal process involving accounts or other property held by Bank or Lender. 

25.1.6: RELIANCE. Each party (i) certifies that no one has represented to such party that the other party would not seek 
to enforce a jury waiver, class action waiver or judicial reference provision in the event of suit, and (ii) acknowledges that it 

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and the other party have been induced to enter into this Agreement by, among other things, material reliance upon the 
mutual waivers, agreements and certifications in this Dispute Resolution Provision. 

26.0: BILLING RIGHTS SUMMARY. This notice contains important information about your rights and the Bank's 
responsibilities under the Fair Credit Billing Act. 
26.1: Notify Us in Case of Errors or Questions About Your Bill. If you think your bills is wrong, or if you need more 
information about a transaction on your bill, write to us in a separate letter at the address indicated in the Billing Rights 
Summary on your Statement or the address below. We must hear from you no later than 60 days after we sent you the 
first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights and we 
will not be required to investigate any potential errors. In your letter, include the following information: 

  Your name and account number. 
  The date and dollar amount of the suspected error. 
  Describe the error, and explain if you can, why you believe there is an error. If you need more information, 

describe the item you are not sure about. 

If you have authorized us to pay your Account automatically from your savings or checking account or you have 
authorized an automatic payment on your Account, you can stop the payment on any amount you think is wrong. To stop 
the payment your letter must reach us three business days before the automatic payment is scheduled to occur. 
26.2: Your Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge your letter 
within 30 days, unless we corrected the error by then. Within 90 days, we must either correct the error or explain why we 
believe the bill was correct.  
After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can 
continue to bill you for the amount you question, including interest charges, and we can apply any unpaid amount against 
your Credit Limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to 
pay the parts of your bill that are not in question.  
If we find that we made a mistake on your bill, you will not have to pay the amount in question or any interest charges 
related to any questioned amount. If we didn’t make a mistake, you may have to pay interest charges, and you will have to 
make any missed payments on the questioned amount. In either case, we will send you a statement of the amount you 
owe and the date that it is due.  
If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not 
satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you 
to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell 
anyone we report you to that the matter has been settled between us when it finally is. If we don’t follow these rules, we 
can’t collect the first $50 of the questioned amount, even if your bill was correct. 
26.3: Your Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with the goods or 
services that you have purchased with your Card and you have tried in good faith to correct the problem with the 
merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the 
following must be true:  

(1) The purchase must have been made in your home state or within 100 miles of your current mailing address, and 
the purchase 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 access 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: 

California Bank & Trust 
Bankcard Services 
P.O. Box 25787 
Salt Lake City, UT 84125-0787 

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. 

M-116514 

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ADDENDUM 1 – Disclosure Statement for California Bank & Trust 
This Addendum applies to the following ZB, N.A. dba California Bank & Trust credit cards: AmaZing Rate®, 
AmaZing Cash®, AmaZing Cash® Signature, AmaZing Rewards®, AmaZing Rewards® Signature, AmaZing Launch® (this 
product is no longer offered), and AmaZing Launch® Secured Credit Cards.  

INTEREST RATES AND INTEREST CHARGES 

Purchases Annual Percentage Rate 
(APR)  

Prime Rate + 6.49% to Prime Rate + 12.49% for 

AmaZing Rate Cards 

APR for Balance Transfers 

Prime Rate + 7.99% to Prime Rate + 10.99% for 
AmaZing Rewards Visa Signature and AmaZing Cash Visa 
Signature Cards   

Prime Rate + 8.99% to Prime Rate + 14.99% for 

AmaZing Rewards Visa and AmaZing Cash Visa   
Prime Rate + 15.99% for AmaZing Launch Secured Visa  
Prime Rate + 12.99% to Prime Rate + 15.99% for 

AmaZing Launch Visa  (this product is no longer offered) 

These APRs will vary with the market based on the Prime Rate.  

Prime Rate + 6.49% to Prime Rate + 12.49% for AmaZing Rate Cards 
Prime Rate + 7.99% to Prime Rate + 10.99% for AmaZing Rewards Visa 

Signature and AmaZing Cash Visa Signature Cards   

Prime Rate + 8.99% to Prime Rate + 14.99% for AmaZing Rewards Visa and 

AmaZing Cash Visa   

Prime Rate + 15.99% for AmaZing Launch Secured Visa  
Prime Rate + 12.99% to Prime Rate + 15.99% for AmaZing Launch Visa  

(this product is no longer offered) 

Prime Rate + 4.00% APR on balances transferred from your existing 
California Bank & Trust Credit Card Account to an AmaZing product.  
These APRs will vary with the market based on the Prime Rate. 

APR for Cash Advances 

Prime Rate + 15.99% 

Paying Interest  

This APR will vary with the market based on the Prime Rate. 

Your due date is at least 25 days after the close of each billing cycle. We will 
not charge you any interest on purchases and balance transfers if you pay your 
entire balance due by the due date each month. We will begin charging interest 
on cash advances on the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than $1. 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 

To learn more about factors to consider when applying for or using a 
credit card, visit the Consumer Financial Protection Bureau website at 
http://www.consumerfinance.gov/learnmore. 

FEES 

Annual Account Fee 

$25 for AmaZing Launch and AmaZing Launch Secured Card. 

None for all other card types named in this Table. 

Transaction Fees: 

  Cash Advance  

  Balance Transfer 

3% of the amount of each transaction, but not less than $10. 

3% of the amount of each transaction, but not less than $10. 

 

International Transaction 

3% of the U.S dollar amount of each transaction, whether originally made in 
U.S. dollars or converted from a foreign currency. 

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Penalty Fees: 

  Late Payment 

Up to $10 if not paid by the 10th day following payment due date. 

  Returned Payment 

Up to $25 

How we will calculate your balance: We use a method called “average daily balance (including new purchases)”. See 
your account agreement for more details.  

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
account agreement. 

How We Determine VARIABLE ANNUAL PERCENTAGE RATES (APR) and Calculate DAILY PERIODIC RATES 
(DPR): Unless an introductory or promotional APR is in effect, we add the Prime Rate (“Index”) to a Margin to determine 
your APR. DPR is calculated by dividing the applicable APR by 365 (366 in a leap year). 

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