JCB INTERNATIONAL CREDIT CARD CO., LTD. 
800 W Sixth Street, Suite 200, Los Angeles, CA 90017 
Cardmember Services (800) 366-4522 

Dear Cardmember: 

JCB CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE UNDER THE FEDERAL TRUTH IN LENDING ACT (the "Agreement") 

Before using the  enclosed card, read this Agreement carefully.  This Agreement governs the  Marukai JCB Credit Card  Account (“Account”) and 
the Marukai JCB Card (“Card”) that JCB International Credit Card Co., Ltd. (“we”, “us,” or “our”) has established for 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 

1. 
personal, 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.” 

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.   (i) for 
California residents, 5% 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, or (ii) for all others, 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 is  applied at  our discretion.   Any  payments that  exceed the  Minimum  Payment Due,  are 
applied to the balance with the highest interest rate first. 

5. 
FOREIGN  TRANSACTION.    If you use the Card for a transaction in a currency other than U.S. dollars, we and our affiliate company will 
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.  

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 equal to 9.9% above the Prime Rate. This applies to purchases, cash and check advances 
shown on  your statement.   For  residents of California and  Nevada, such  VARIABLE  ANNUAL PERCENTAGE RATE shall  not  exceed  18.0%.  For 
residents of Oregon and Washington, such VARIABLE ANNUAL PERCENTAGE RATE shall not exceed 12.0%.  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 September 12, 2017, the applicable Prime Rate 
is 4.25%.   

INTEREST  CHARGE  CALCULATION.    Interest  charge  on  purchases  and  interest  charge  on  cash  or  check  advances  are  calculated 

7. 
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. 

8.  OTHER FEES AND CHARGES.  

1 

MCA-TILA (09-2017) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Annual Fee.  We will waive all annual Credit Card fees for your Account until you are notified otherwise. 

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, you agree to pay a late charge as follows:  (i) for residents of Oregon and 
Washington, no late charge is imposed, (ii) for residents of California, a late charge up to $10.00 is imposed for the billing period if the Minimum 
Payment Due is not received within 10 days after the Payment Due Date, and (iii) for residents of Nevada, a late charge up to $15.00 is imposed 
for the billing period if the Minimum Payment Due is not received within two days after the Payment Due Date. 

No Over-limit Fee. No overlimit 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 a dishonored check charge for each dishonored check or money order presented to us for payment 
as follows: (i) for residents of California, Washington or Oregon, no dishonored check charge is imposed for the billing period (ii) for residents of 
Nevada, a dishonored check charge up to $15.00 is imposed 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, unless 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.,  800 W Sixth Street, Suite 200, 
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. 

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.  Your letter and the Card(s) must be sent to us at JCB International Credit Card Co., Ltd., 800 W Sixth Street, Suite 200, 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.  If 
we terminate your Account,  you must immediately  return all Card(s) to us.  Any use of Card(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 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.  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.   

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 have the right to cancel the Account. Closing or canceling the Account does not require you to immediately 
pay off the remaining balance.  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.  

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. 

2 

MCA-TILA (09-2017) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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).  You will  earn three  JCB Cash Back Points  for every $100.00 in  new purchase 
transactions (net of purchases, chargebacks, and chargeoffs) at any Marukai establishment posted to your Account during a billing period.  You 
will also earn one JCB Cash Back Point for every $100.00 in new purchase transactions (net of purchases, chargebacks, and chargeoffs) at any 
other establishment posted to your Account during a billing period.  If your Account has at least ten 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 Points redeemed, which will be credited to your Account. 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. 

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT – To help the government fight the funding of terrorism 
and money laundering  activities, federal law requires all financial institutions to obtain, verify, and record information that identifies 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.  We may also ask to see your driver’s license or other identifying documents. 

YOUR FEDERAL BILLING RIGHTS 

This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. 

How To Notify Us In Case Of Errors Or Questions About Your Billing Statement. 

If you think there is an error on your statement, or if you want more information about a transaction on your billing statement, write to us as soon 
as possible at the address on your billing statement.  

We must hear from you no later than sixty (60) days after we sent you the first billing statement on which the error or problem appeared. You can 
telephone us, but doing so will not preserve your rights. 

In your letter, give us the following information: 
Your name and Account number. 
 
The 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. 

Your Rights And Our Responsibilities After We Receive Your Written Notice. 

We must acknowledge your letter within thirty (30) days, unless the error has been corrected.  Within ninety (90) days, we must either correct the 
error or explain why we believe the statement is correct. 

After  receiving  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 in question, including Interest Charges, and we can  
apply any unpaid amount against your credit limit.  You do not have to pay any portion of the amount in question while we are investigating, but 
you are obligated to pay the parts of your billing statement that are not in question. 

If we find that we made a mistake on your billing statement, you will not be required to pay any  Interest Charges related to any of the amount in 
question.  If  we are not in error,  you  may have to pay  Interest Charges,  and  you  will  have to make up any missed payments on  the amount in 
question.  In either case, we will send you a statement of the amount owed and the date it is due. 

If you fail to pay the amount 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 statement, 
and we must tell you the name of anyone we reported you to.  When the matter is settled, we must tell anyone we report you to that the matter has 
been settled. 

If we don’t follow these rules, we cannot collect the first $50.00 of the amount in question, even if your bill was correct. 

Special Rule For Credit Card Purchases. 

If you have a problem with the quality of property or services that you purchased with a 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 property or services.  There are two limitations on 
this right: 

(a)  You must have made the purchase in your home state or, if not within your home state, within one hundred (100) miles of your current 

mailing address; and 

(b)  The purchase price must have been more than $50.00. 

These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. 

3 

MCA-TILA (09-2017) 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 
Federal Reserve Board 

Fees 
Set-up and Maintenance Fees 
  Annual Fee 
Transaction Fees 
  Cash and Check Advance  
(including Balance Transfers) 

Foreign Transactions 

 
Penalty Fees 
 

Late Payment 

 
 

Over-the-Credit Limit 
Returned Check 

14.15%* 
This APR will vary with the market based on the Prime Rate 
14.15%* 
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  Federal  Reserve  Board  at 
http://www.federalreserve.gov/creditcard 

$0.00 

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. 

For Oregon or Washington residents: $0.00 
For California residents: Up to $10.00 
For Nevada residents: Up to $15.00 
$0.00 
For California, Oregon or Washington residents: $0.00 
For Nevada residents: 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 
September 12, 2017, which was 4.25%.  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.  California and Nevada APR will not exceed 18.0%.  Oregon 
and Washington APR will not exceed 12.0%. 

4 

MCA-TILA (09-2017)