� 
       D072                  Credit One Bank Platinum Visa
                             17.99% Variable Monthly Purchase APR (WSJ Prime + 14.74%)
                             23.99% Variable Monthly Cash APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee
                             $10.00 or 3% Cash Advance Fee (whichever is greater)
                                                   � 
       D073                  Credit One Bank Platinum Visa
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee 
                             $10.00 or 3% Cash Advance Fee (whichever is greater)
                                                   � 
       D081                  Credit One Bank Platinum Visa
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $75 Annual Fee first year, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                   � 
       D083                  Credit One Bank Platinum Visa
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%)
                             $75 Annual Fee, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                   � 
       D085                  Credit One Bank Platinum Visa
                             17.99% Variable Monthly Purchase / BT APR (WSJ Prime + 14.74%)
                             23.99% Variable Monthly Cash APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee
                             $10.00 or 3% Cash Advance Fee (whichever is greater)
                                                   � 
       D091                  Credit One Bank Platinum Visa
                             23.90% Variable Monthly APR (WSJ Prime + 20.65%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                        �
       D093                  Credit One Bank Platinum Mastercard
                             24.4% Variable Monthly APR (WSJ Prime + 21.15%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
      ��2020�Credit�One�Bank,�N.A.�All�rights�reserved.�����
       Credit�One�,�Credit�One�Bank���and�the�corresponding�logos�are�federally�registered�trademarks. 2020.09.30
                                                   �
       D098                  Credit One Bank Platinum Visa
                             24.40% Non-Variable Monthly APR
                             $75 Annual Fee first year, then $75 annually ($6.25 per month)
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                   �
       D099                  Credit One Bank Platinum Visa
                             24.40% Non-Variable Monthly APR
                             $39 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                   � 
       D217                  Credit One Bank Platinum Visa
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $39 Annual Fee  
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                   � 
       D219                  Credit One Bank Platinum Visa
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $95 Annual Fee  
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                   � 
       D223                  Credit One Bank Platinum Visa
                             23.99% Variable Monthly Purchase APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                   � 
       D224                  Credit One Bank Platinum Visa
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                   � 
       D225                  Credit One Bank Platinum Visa
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
      ��2020�Credit�One�Bank,�N.A.�All�rights�reserved.�����
       Credit�One�,�Credit�One�Bank���and�the�corresponding�logos�are�federally�registered�trademarks. 2020.09.30
                                                   � 
       D226                  Credit One Bank Platinum Visa
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                   � 
       D232                  Credit One Bank Platinum Visa
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $39 Annual Fee  
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                   � 
       D233                  Credit One Bank Platinum Visa
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $75 Annual Fee, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                   �
       D234                  Credit One Bank Platinum Visa
                             17.99% Variable Monthly Purchase / BT APR (WSJ Prime + 14.74%)
                             23.99% Variable Monthly Cash APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                   �
       D235                  Credit One Bank Platinum Visa
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%)
                             $0 Annual Fee 
                             $10.00 or 3% Cash Advance Fee (whichever is greater)
      ��2020�Credit�One�Bank,�N.A.�All�rights�reserved.�����
       Credit�One�,�Credit�One�Bank���and�the�corresponding�logos�are�federally�registered�trademarks. 2020.09.30
                                                   � 
       D243                  Credit One Bank Platinum Visa
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $95 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                   � 
       D246                  Credit One Bank Platinum Visa
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $39 Annual Fee 
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                   � 
       D248                  Credit One Bank Platinum Visa
                             24.40% Variable Monthly APR (WSJ Prime + 21.15%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                        �
       D250                  Credit One Bank Platinum Mastercard
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
      ��2020�Credit�One�Bank,�N.A.�All�rights�reserved.�����
       Credit�One�,�Credit�One�Bank���and�the�corresponding�logos�are�federally�registered�trademarks. 2020.09.30
                                                       �
       D102                  Credit One Bank American Express Card
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                       �
       D103                  Credit One Bank American Express Card
                             24.40% Variable Monthly APR (WSJ Prime + 21.15%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                       �
       D105                  Credit One Bank American Express Card
                             24.40% Variable Monthly APR (WSJ Prime + 21.15%) 
                             $0 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                       �
       D222                  Credit One Bank American Express Card
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                       �
       D242                  Credit One Bank American Express Card
                             24.40% Variable Monthly APR (WSJ Prime + 21.15%) 
                             $95 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
      ��2020�Credit�One�Bank,�N.A.�All�rights�reserved.�����
       Credit�One�,�Credit�One�Bank���and�the�corresponding�logos�are�federally�registered�trademarks. 2020.09.30
                                                       �
       D244                  Credit One Bank American Express Card
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $75 Annual Fee, then $99 annually ($8.25 per month)
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                       �
       D245                  Credit One Bank American Express Card
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $0 Annual Fee
                             $10.00 or 5% Cash Advance Fee (whichever is greater)
                                                       �
       D247                  Credit One Bank American Express Card
                             24.40% Variable Monthly APR (WSJ Prime + 21.15%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                       �
       D251                  Credit One Bank American Express Card
                             24.40% Variable Monthly APR (WSJ Prime + 21.15%) 
                             $0 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
                                                       �
       D252                  Credit One Bank American Express Card
                             23.99% Variable Monthly APR (WSJ Prime + 20.74%) 
                             $39 Annual Fee
                             $5.00 or 8% Cash Advance Fee (whichever is greater)
      ��2020�Credit�One�Bank,�N.A.�All�rights�reserved.�����
       Credit�One�,�Credit�One�Bank���and�the�corresponding�logos�are�federally�registered�trademarks. 2020.09.30
      
     D072                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  17.99% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  17.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 3% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 3% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
                                           1 
      
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase and Balance Transfer APR equals the Prime Rate plus a margin of 14.74%. This corresponds to a 
     monthly periodic rate of 1.49917%. The Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This corresponds to a monthly periodic 
     rate of 1.99917%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates.  A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
                                           2 
      
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
                                           3 
      
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
                                           4 
      
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
                                           5 
      
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
                                           6 
      
      
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
                                           7 
      
      
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
                                           8 
      
      
     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 the Billing Inquiries address on the statement.  
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
                                           9 
      
      
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01485 03/20        D072 
                                          10 
      
     Back to Top
      
     D073                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 3% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 3% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
                                           1 
      
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 1.99917%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates.  A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
                                           2 
      
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
                                           3 
      
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
                                           4 
      
      
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
                                           5 
      
      
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
                                           6 
      
      
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
                                           7 
      
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
                                           8 
      
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 the Billing Inquiries address on the statement.  
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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.  
                                           9 
      
      
      
     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01486 03/20        D073 
                                          10 
      
     Back to Top
     D081                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
      Paying Interest      You will be charged interest on Purchases, Balance Transfers and Cash Advances from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $75 for the first year.  After that $99 annually ($8.25 per month). 
                            
      Transaction Fees      
      � Balance Transfers  Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce 
     the amount of your available credit.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
                                           1 
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 1.99917%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
                                           2 
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
      
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. There is no grace period and you cannot avoid paying interest on Purchases, Balance Transfers or Cash 
     Advances. 
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
                                           4 
      
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
      
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
                                           5 
      
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
                                           6 
      
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
                                           7 
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 the Billing Inquiries address on the statement.  
      
     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.  
      
                                           8 
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
      
       
                                           9 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law.  The current version of this Program may be found at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
                                          10 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respect ively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01453 03/20         D081  
                                          11 
     Back to Top  
      
     D083                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
      Paying Interest      You will be charged interest on Purchases, Balance Transfers and Cash Advances from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $75 for the first year.  After that $99 annually ($8.25 per month). 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce 
     the amount of your available credit.  
      
                                           1 
      
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 1.99917%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
                                           2 
      
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
                                           3 
      
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. There is no grace period and you cannot avoid paying interest on Purchases, Balance Transfers or Cash 
     Advances. 
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
                                           4 
      
      
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
                                           5 
      
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
                                           6 
      
      
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
                                           7 
      
      
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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.  
      
                                           8 
      
      
     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 the Billing Inquiries address on the statement.  
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
                                           9 
      
      
     Cash Back Rewards Program Supplement  
      
     This document (�Supplement�) describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplements 
     the Card Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to 
     participate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this 
     Supplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this 
     Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 2% of Net Eligible Purchases (as 
     defined below) made at the NASCAR.com Superstore (store.NASCAR.com) with your Account and 1% of all other Net Eligible Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your Account from the 27th of the 
     previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, 
     you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible Code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location 
           may submit Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the 
           same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline, 
        �  automotive parts and services. 
      
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies, 
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     Bank cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of  Eligible  Purchases.  We  will  give  you  prior  notice  to  the  extent  required  by  law.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
                                          10 
      
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, 
     by federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01455 03/20       D083  
                                          11 
      
     Back to Top
      
     D085                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  17.99% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  17.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 3% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 3% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
                                           1 
      
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase and Balance Transfer APR equals the Prime Rate plus a margin of 14.74%. This corresponds to a 
     monthly periodic rate of 1.49917%.The Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This corresponds to a monthly periodic 
     rate of 1.99917%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
                                           2 
      
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
                                           3 
      
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
                                           4 
      
      
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
                                           5 
      
      
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
                                           6 
      
      
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
                                           7 
      
      
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
                                           8 
      
      
      
     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 the Billing Inquiries address on the statement.  
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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.  
      
                                           9 
      
      
     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your 
     statement.  
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
      
     Cash Back Rewards Program Supplement  
      
     This document (�Supplement�) describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplements 
     the Card Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to 
     participate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this 
     Supplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this 
     Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 2% of Net Purchases (as defined 
     below) made at the NASCAR.com Superstore (store.NASCAR.com) with your Account and 1% of all other Net Purchases made with your Account. 
     You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement credit to your 
     Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous month to the 
     26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you WILL NOT receive 
     the credit. Cash back rewards have no value. 
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One Bank 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of  Eligible  Purchases.  We  will  give  you  prior  notice  to  the  extent  required  by  law.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restr icted, respectively, 
     by federal, state or local law. 
      
      
      
      
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01457 03/20       D085 
                                          10 
      
     Back to Top
      
     D091                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.90% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.90% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.90% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce 
     the amount of your available credit.  
                                           1 
      
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.65%. This 
     corresponds to a monthly periodic rate of 1.99167%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
                                           2 
      
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
                                           3 
      
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
                                           4 
      
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
                                           5 
      
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
                                           6 
      
      
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
                                           7 
      
      
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
                                           8 
      
      
     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 the Billing Inquiries address on the statement.  
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
                                           9 
      
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law.  The current version of this Program may be found at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
                                          10 
      
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01462 03/20       D091 
                                          11 
      
     Back to Top
      
     D093                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.40% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.40% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.40% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
                                           1 
      
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This 
     corresponds to a monthly periodic rate of 2.03333%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates.  A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
                                           2 
      
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
                                           3 
      
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
                                           4 
      
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
                                           5 
      
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
                                           6 
      
      
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
                                           7 
      
      
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
                                           8 
      
      
     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 the Billing Inquiries address on the statement.  
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
      
                                           9 
      
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
     This Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplemen ts the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
     the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. 
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible Code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location 
           may submit Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the 
           same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category. 
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline, 
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores), 
        �  dining (dining Purchases do not include Purchases at stores like bakeries, candy, nut of confections stores), 
        �  mobile phone service, and 
        �  internet, cable and satellite TV service. 
      
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies, 
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     Bank cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of  Eligible  Purchases.  We  will  give  you  prior  notice  to  the  extent  required  by  law.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
                                          10 
      
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, 
     by federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank� and corresponding logos are federally registered trademarks.  C50-01463 03/20       D093 
                                          11 
      
     Back to Top
      
     D098                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE 
      (APR) for Purchases   24.40% 
      ANNUAL PERCENTAGE RATE 
                           24.40% 
      (APR) for Balance Transfers 
      ANNUAL PERCENTAGE RATE 
                           24.40% 
      (APR) for Cash Advances 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $75 for the first year. After that $75 annually ($6.25 per month). 
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
                                           1 
      
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR corresponds to a monthly periodic rate of 2.03333%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     Military Lending Act Protections 
      
     Covered Borrower: A Covered Borrower is a consumer who is entitled to the Limitations on Terms of Consumer Credit Extended to Service 
     Members and Dependents pursuant to a determination made in accordance with 32 C.F.R. 232.5(b). 
        
     Compliance with the Military Lending Act: This Agreement shall be interpreted to comply with the Military Lending Act, including its restrictions on 
     permissible loan terms and limitations on interest and fees. As a Covered Borrower: (a) the arbitration provision shall not apply to you, (b) the Duplicate 
     Statement Fee, the Sales Slip Request Fee, and the Replacement Card Fee shall not apply to you, and (c) any other provision of this Agreement that 
     is inconsistent with the Military Lending Act shall not apply to you. 
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
                                           2 
      
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
                                           3 
      
      
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
                                           4 
      
      
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
                                           5 
      
      
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
                                           6 
      
      
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
                                           7 
      
      
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
                                           8 
      
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 the Billing Inquiries address on the statement.  
      
     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 $50.00 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.  
      
                                           9 
      
      
     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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
                                          10 
      
      
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law.  The current version of this Program may be found at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respect ively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01468 03/20       D098 
                                          11 
      
     Back to Top
      
     D099                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE 
      (APR) for Purchases   24.40% 
      ANNUAL PERCENTAGE RATE 
                           24.40% 
      (APR) for Balance Transfers 
      ANNUAL PERCENTAGE RATE 
                           24.40% 
      (APR) for Cash Advances 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
                                           1 
      
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR corresponds to a monthly periodic rate of 2.03333%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     Military Lending Act Protections 
      
     Covered Borrower: A Covered Borrower is a consumer who is entitled to the Limitations on Terms of Consumer Credit Extended to Service 
     Members and Dependents pursuant to a determination made in accordance with 32 C.F.R. 232.5(b). 
        
     Compliance with the Military Lending Act: This Agreement shall be interpreted to comply with the Military Lending Act, including its restrictions on 
     permissible loan terms and limitations on interest and fees. As a Covered Borrower: (a) the arbitration provision shall not apply to you, (b) the Duplicate 
     Statement Fee, the Sales Slip Request Fee, and the Replacement Card Fee shall not apply to you, and (c) any other provision of this Agreement that 
     is inconsistent with the Military Lending Act shall not apply to you. 
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
                                           2 
      
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
                                           3 
      
      
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
                                           4 
      
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
                                           5 
      
      
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a co urt. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
                                           6 
      
      
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
                                           7 
      
      
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
                                           8 
      
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 the Billing Inquiries address on the statement.  
      
     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 $50.00 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.  
      
                                           9 
      
      
     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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
                                          10 
      
      
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law.  The current version of this Program may be found at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respect ively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01469 03/20       D099 
                                          11 
      
      Back to Top
      
     D217                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
                                           1 
      
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 1.99917%.   
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
                                           2 
      
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
                                           3 
      
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
                                           4 
      
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
                                           5 
      
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a co urt. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
                                           6 
      
      
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
                                           7 
      
      
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
                                           8 
      
      
     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 the Billing Inquiries address on the statement.  
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
                                           9 
      
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law.  The current version of this Program may be found at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
                                          10 
      
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
       
      
      
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01480 03/20      D217 
                                          11 
      
     Back to Top
      
     D219                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
                            
      Annual Fee           $95 
                            
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
      
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 1.99917%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
                                           2 
      
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
                                           3 
      
      
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
                                           4 
      
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
                                           5 
      
      
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
                                           6 
      
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
                                           7 
      
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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  
                                           8 
      
      
     If you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.  
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
                                           9 
      
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
     the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. 
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus 
     returns, refunds, disputed charges and fraudulent transactions (�Net Eligible Purchases�), as follows: 
      
        �  5% cash back rewards on eligible gas, grocery, mobile phone service, and internet,  cable and satellite TV service purchases for the first 
           $5,000  per calendar year in eligible gas, grocery, mobile phone service, and internet, cable and satellite  TV service purchases,  and then 
           1% thereafter. 
      
           ?  Certain Non-Eligible Purchases.  You will only earn 1% cash back rewards, not 5%, for: 
                ?  Any purchase at a warehouse club (including but not limited to Sam�s Club and Costco); 
                ?  Groceries purchased at stores that sell groceries and other products like drugstores and convenience stores or at smaller 
                  stores like bakeries, candy, nut or confection stores; 
                ?  Purchases for oil or propane or at home heating companies; and 
                ?  Purchases made with PayPal or at a discount supercenter (including but not limited to Wal-Mart and Target). 
      
        �  1% cash back rewards on all other purchases, including, the non-eligible purchases listed above. 
      
     You do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other 
     charges.  We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with 
     your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at 
     the time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value. 
      
     Merchant Categories:  Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�  procedures  based on the kinds of products and services they primarily sell. We have no control 
     over merchant codes. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories.  However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, purchases with that merchant won�t qualify for cash back rewards on purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one 
           location may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases 
           from the same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One Bank 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of eligible and non-eligible purchase at any time without notice. We will give you prior notice to the extent required by law. Any revisions may affect 
     your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
                                          10 
      
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restr icted, respectively, 
     by federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01481 03/20        D219 
                                          11 
      
     Back to Top
      
     D223                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
                                           1 
      
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 1.99917%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
                                           2 
      
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
                                           3 
      
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
                                           4 
      
      
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
                                           5 
      
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
                                           6 
      
      
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
                                           7 
      
      
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
                                           8 
      
      
     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 the Billing Inquiries address on the statement.  
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
                                           9 
      
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This document (�Supplement�) describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplements 
     the Card Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to 
     participate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this 
     Supplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this 
     Supplement controls. 
      
     Earning Cash Back Rewards:  
     You earn cash back rewards in the form of an automatic statement credit equal to 2% of Net Eligible Purchases (as defined below) made with your 
     Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement credit 
     to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�s procedures based on the kinds of products and services they primarily sell. We have no control 
     over merchant codes.  Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards on Purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one 
           location may submit purchases using different codes, including codes that are not eligible under this Program. This means that Purchases 
           from the same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline, 
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores), 
        �  mobile phone service, and 
        �  internet, cable and satellite TV service. 
      
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies, 
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     Bank cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
      
                                          10 
      
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restr icted, respectively, 
     by federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01487 03/20       D223  
                                          11 
      
      Back to Top
      
     D224                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
      
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 1.99917%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
                                           2 
      
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
                                           3 
      
      
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
                                           4 
      
      
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
                                           5 
      
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
                                           6 
      
      
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
                                           7 
      
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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  
                                           8 
      
      
     If you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.  
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
                                           9 
      
      
     Cash Back Rewards Program Supplement  
      
     This document (�Supplement�) describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplements 
     the Card Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to 
     participate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this 
     Supplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this 
     Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 2% of Net Eligible Purchases (as 
     defined below) made at the NASCAR.com Superstore (store.NASCAR.com) with your Account and 1% of all other Net Eligible Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your Account from the 27th of the 
     previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, 
     you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible Code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location 
           may submit Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the 
           same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline, 
        �  automotive parts and services. 
      
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies, 
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     Bank cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of  Eligible  Purchases.  We  will  give  you  prior  notice  to  the  extent  required  by  law.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
                                          10 
      
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, 
     by federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01490 03/20      D224 
                                          11 
      
     Back to Top
      
     D225                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
                                           1 
      
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 1.99917%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
                                           2 
      
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
                                           3 
      
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
                                           4 
      
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
                                           5 
      
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
                                           6 
      
      
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
                                           7 
      
      
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
                                           8 
      
      
     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 the Billing Inquiries address on the statement.  
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
                                           9 
      
      
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01491 03/20        D225 
                                          10 
      
     Back to Top
     D226                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
      Paying Interest      You will be charged interest on Purchases, Balance Transfers and Cash Advances from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39  
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce 
     the amount of your available credit.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 1.99917%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
                                           2 
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
      
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. There is no grace period and you cannot avoid paying interest on Purchases, Balance Transfers or Cash 
     Advances. 
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
                                           4 
      
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
                                           5 
      
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
                                           6 
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
                                           7 
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 the Billing Inquiries address on the statement.  
      
     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.  
      
                                           8 
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
                                           9 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law.  The current version of this Program may be found at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respect ively, by 
     federal, state or local law. 
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01492 03/20         D226  
                                          10 
      
     Back to Top
      
     D232                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
      
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 1.99917%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
                                           2 
      
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
                                           3 
      
      
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
                                           4 
      
      
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
                                           5 
      
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
                                           6 
      
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
                                           7 
      
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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  
                                           8 
      
      
     If you think there is an error on your statement, write to us at the Billing Inquiries address on the statement.  
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
                                           9 
      
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law.  The current  version of this Program may be found at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
                                          10 
      
      
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted , respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01498 03/20        D232 
                                          11 
      
     Back to Top
     D233                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
      Paying Interest      You will be charged interest on Purchases, Balance Transfers and Cash Advances from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $75 for the first year.  After that $99 annually ($8.25 per month). 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce 
     the amount of your available credit.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
                                           1 
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 1.99917%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
                                           2 
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
      
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. There is no grace period and you cannot avoid paying interest on Purchases, Balance Transfers or Cash 
     Advances. 
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
                                           4 
      
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
                                           5 
      
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
                                           6 
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
                                           7 
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 the Billing Inquiries address on the statement.  
      
     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.  
      
                                           8 
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement.  In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
     defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
     We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with your 
     Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
     time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
      
                                           9 
      
     Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
     its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
     merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merch ant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        �  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
      
     Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        �  gasoline,  
        �  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        �  mobile phone service, and  
        �  internet, cable and satellite TV service. 
            
     Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        �  oil, propane, home heating companies,  
        �  PayPal, 
        �  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        �  discount supercenters (including but not limited to Wal-Mart and Target).  
      
     Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
     fraudulent charges or other credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
     Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
     pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made 
     while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of Eligible Purchases.  We will give you prior notice to the extent required by law.  The current version of this Program may be found at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, re spectively, by 
     federal, state or local law. 
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01499 03/20         D233  
                                          10 
      
     Back to Top
      
     D234                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  17.99% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  17.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
                                           1 
      
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase and Balance Transfer APR equals the Prime Rate plus a margin of 14.74%. This corresponds to a 
     monthly periodic rate of 1.49917%. The Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This corresponds to a monthly periodic 
     rate of 1.99917%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates.  A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
                                           2 
      
      
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
                                           3 
      
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
                                           4 
      
      
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
                                           5 
      
      
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
                                           6 
      
      
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
                                           7 
      
      
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
                                           8 
      
      
      
     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 the Billing Inquiries address on the statement.  
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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.  
      
                                           9 
      
      
     If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the Billing Inquiries address shown on your 
     statement.  
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01500 03/20         D234  
                                          10 
      
     Back to Top
      
     D235                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 3% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 3% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
                                           1 
      
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 1.99917%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
                                           2 
      
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
                                           3 
      
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
                                           4 
      
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
                                           5 
      
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
                                           6 
      
      
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
                                           7 
      
      
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
                                           8 
      
      
     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 the Billing Inquiries address on the statement.  
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
                                           9 
      
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This document (�Supplement�) describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplements 
     the Card Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to 
     participate in the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this 
     Supplement. In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this 
     Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 2% of Net Purchases (as defined 
     below) made at the NASCAR.com Superstore (store.NASCAR.com) with your Account and 1% of all other Net Purchases made with your Account. 
     You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement credit to your 
     Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous month to the 
     26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you WILL NOT receive 
     the credit. Cash back rewards have no value. 
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One Bank 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of  Eligible  Purchases.  We  will  give  you  prior  notice  to  the  extent  required  by  law.  The  current  version  of  this  Program  may  be  found  at 
     www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restr icted, respectively, 
     by federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01501 03/20        D235  
                                          10 
      
     Back to Top
      
     D243                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
                            
      Annual Fee           $95 
                            
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
                                           1 
      
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement.  
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due.  
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 1.99917%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us. 
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
                                           2 
      
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
     use the Account for business or commercial purposes.  The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
                                           3 
      
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
     balance will be rounded to zero and you will not receive a refund of this amount.  
      
                                           4 
      
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.   
      
                                           5 
      
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
                                           6 
      
      
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
                                           7 
      
      
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
     International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by 
     Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
     from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
     conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
     is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
                                           8 
      
      
     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 the Billing Inquiries address on the statement.  
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
      
                                           9 
      
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
                                          10 
      
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
     the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. 
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus 
     returns, refunds, disputed charges and fraudulent transactions (�Net Eligible Purchases�), as follows: 
      
        �  5% cash back rewards on eligible gas, grocery, mobile phone service, and internet,  cable and satellite TV service purchases for the first 
           $5,000  per calendar year in eligible gas, grocery, mobile phone service, and internet, cable and satellite  TV service purchases,  and then 
           1% thereafter. 
      
           ?  Certain Non-Eligible Purchases.  You will only earn 1% cash back rewards, not 5%, for: 
                ?  Any purchase at a warehouse club (including but not limited to Sam�s Club and Costco); 
                ?  Groceries purchased at stores that sell groceries and other products like drugstores and convenience stores or at smaller 
                  stores like bakeries, candy, nut or confection stores; 
                ?  Purchases for oil or propane or at home heating companies; and 
                ?  Purchases made with PayPal or at a discount supercenter (including but not limited to Wal-Mart and Target). 
      
        �  1% cash back rewards on all other purchases, including, the non-eligible purchases listed above. 
      
     You do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other 
     charges.  We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with 
     your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at 
     the time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value. 
      
     Merchant Categories:  Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�  procedures  based on the kinds of products and services they primarily sell. We have no control 
     over merchant codes. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories.  However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, purchases with that merchant won�t qualify for cash back rewards on purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one 
           location may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases 
           from the same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One Bank 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of eligible and non-eligible purchase at any time without notice. We will give you prior notice to the extent required by law. Any revisions may affect 
     your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
                                          11 
      
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restr icted, respectively, 
     by federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01507 03/20        D243 
                                          12 
      
     Back to Top
       
      D246                   CARD AGREEMENT   
       
      Pricing Summary 
       
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
                           23.99% 
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate. 
                           23.99% 
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
       
      How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
      more details. 
        
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
       
      *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
      the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
                                           1 
       
       
      the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
      Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
      statement.  
       
      **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
      If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
      Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
      not exceed the related Minimum Payment that was due. 
       
      Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
      corresponds to a monthly periodic rate of 1.99917%.   
       
      Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
      Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        ?  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        ?  any Late Payment Fee for the current billing cycle; 
        ?  and any Past Due Amount (excluding any past due Late Payment Fees).  
       
      The Agreement  
      This Agreement, together with the Pricing Summary, is your contract with us. 
       
      Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
      Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
      Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
       
      Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
      �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
       
      Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
      as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
       
      Definitions  
       
      Account means the Credit One Bank card account under this Agreement.  
       
      Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
      a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
       
      Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
      be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this A greement.  
       
      Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your auth orization to get 
      credit under this Agreement.  
       
      Cardholder refers to each person with a card issued in their name.  
       
      Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
       
      Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
       
      Purchase means the use of the Account to obtain goods or services.  
       
      Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
      if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
       
      we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
       
                                           2 
       
       
      you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
       
      Features and Use of Your Account  
       
      Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
      make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
      only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
      use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
       
      Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
      designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
      notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
      obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
      of any payment that we receive for up to 12 calendar days.  
       
      Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
      the request.  
       
      Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyo ne 
      refuses any use of your Card.  
       
      Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
      to any merchant at our discretion. Contact the merchant to stop automatic billing.  
       
      Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
      the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co -applicant is ordered by a 
      court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
      the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
      We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
       
      Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
      Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
      terms or for any consequences from violating those terms.  
       
      Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
      person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account inf ormation including 
      balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, informatio n regarding the Account 
      will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
      Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added t o the Account, (2) have 
      provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
      Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection wit h the Account. The 
      Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
       
      Interest Rates and Interest Changes  
       
      Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
      Purchases, unless a promotional rate applies.  
       
      Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
      the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
      The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
      changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
       
      Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
      for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
      balances.  
       
                                           3 
       
       
      For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
      This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
      add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
      transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
      to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
      zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �aver age daily balance� for that 
      type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
      charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
      all types of balances are then added together to determine the total interest charged that billing cycle.  
       
      When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
      until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
      on Balance Transfers or Cash Advances. 
       
      How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
      shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
      Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
      interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
      interest on the unpaid portion of your balance.  
       
      Fees  
      See the Pricing Summary for additional Fee information.  
       
      Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
      to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
      and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
       
      Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
      request and before you agree to it.  
       
      Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
      a promotional fee applies.  
       
      Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
      U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase.  
       
      Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
      be informed of the amount of the fee before you complete the transaction.  
       
      Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
      charged a fee of up to $10 for each statement copy requested.  
       
      Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
      will be charged a fee of $6 for each sales slip copy requested.  
       
      Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
       
      Payments  
       
      Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
       
      Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
      (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
      zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
      balance will be rounded to zero and you will not receive a refund of this amount.  
       
                                           4 
       
       
      Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
      contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
      a delay in processing and crediting the payment to your Account.  
       
      Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in fu ll,� 
      and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193 -5516. We can accept 
      late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
      this Agreement.  
       
      Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
      check on the day we receive it.  
       
      Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
      being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first .  
       
      Collecting, Sharing, and Updating Information  
       
      Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
      the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; an d how you can limit our 
      sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditO ne.com if you would like 
      a copy.  
       
      Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
      your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Accou nt and provide renewal of 
      credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
      of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
      agency that provided us with information concerning you.  
       
      Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
      properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
      Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
       
      Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
      Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
      number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
      may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
      or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
      contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
      to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card f or verification and identification 
      purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing informatio n 
      about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
      communications to us, to or from any such number or email address, without reimbursement from us.  
       
      Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
      related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
      Please: 
        ?  include your name, mailing address, and the last four digits of your Account number;  
        ?  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        ?  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        ?  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
       
      Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
       
      Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
       
                                           5 
       
       
      Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
      your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
      You can update your mobile number by calling us at the phone number on the back of your Card.  
       
      Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
      a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
      partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
      you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
       
      Account Closure  
       
      Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
      believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to com ply with the terms of this 
      Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
      (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
      permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Acco unt balance immediately 
      due and payable without advance notice.  
       
      Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
      attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
       
      Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
      joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If you r Account is subject to 
      an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
      is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero an d you will not be required 
      to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
      to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
       
      Arbitration Agreement  
       
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
       
      This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
      have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
       
      If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
      resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
      decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
      PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
       
      Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
      you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
      transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
      seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
      else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
      predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
      the subject matter of the claim or dispute at issue.  
       
      Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
      Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
      your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
      to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
      approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on a ny theory of law, whether 
      contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
                                           6 
       
       
      they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is close d, you pay us in full any 
      outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
      this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
      subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow i t to be enforced.  
      Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
      small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
       
      No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
      similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
      account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only :  
       
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
       
      The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
      basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
      This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
      the named party. �  
       
      � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
      of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
      billing address for your Account is a California address (hereafter, �California Account Holder�).  
       
      Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
      AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this a rbitration provision. 
      Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
      mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
      in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
      appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
      arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
      the FAA).  
       
      Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
      organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
      may represent yourself in arbitration, or you may be represented by a lawyer.  
       
      Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
      is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
      the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
      Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
      to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
      damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
      or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
      disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the esse ntial findings and conclusions 
      on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
      have any bearing on another person or dispute.  
       
      If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
      or in an in-person hearing.  
       
      Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is f iled, unless the parties 
      agree to a different place.  
       
      The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
      administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
      same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
                                           7 
       
       
      aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
      Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
      by any court having jurisdiction.  
       
      Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
      arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
      administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
      procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
      expenses to you or us if allowed by applicable law.  
       
      Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
      to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized User s 
      of your Account(s).  
       
      How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
      within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
      Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
      decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
      account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this C ard Agreement.  
       
      Survival, Severability, and Amendment of Terms: 
      Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
      including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another p erson or entity. 
      Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
      and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
      or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
      to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
      unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described abo ve.  
      Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
      in a written agreement between you and us. 
       
      Other Information  
       
      Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
      International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be d one at a rate selected by 
      Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
      from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
      conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
      is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
       
      Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
      consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
       
      Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
      permission.  
       
      Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
      this Agreement.  
       
      No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
       
      Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such la ws 
      apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of res idence.  
       
      Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
      to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
       
                                           8 
       
       
      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 the Billing Inquiries address on the statement.  
       
      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 wro ng.  
       
      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 correc t.  
       
      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 $50.00 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 pri ce must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing I nquiries address shown on your 
      statement.  
                                           9 
       
       
       
      While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
      At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
       
      Cash Back Rewards Program Supplement  
       
      This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
      that governs your credit card account issued by Credit One Bank, N.A. (the �Account�).   By using the Account, you agree to participate in the Program.  
      Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and thi s Supplement.  In the event of 
      a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
       
      Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
      defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
      We will post a statement credit to your Account within seven days after the end of the month based on the Net Eli gible Purchases made with your 
      Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in yo ur Card Agreement, at the 
      time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
       
      Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
      its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
      merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        ?  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant c ode in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category.  
        ?  Although a merchant or the items that it sells may appear to fit the reward categories, the merchant may not have or use an eligible Code.  
           Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location may submit 
           Purchases using different codes, including codes that are not eligible under this Program. This means that Purchases from the same 
           merchant at a different location may result in no reward. 
        ?  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
       
      Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        ?  gasoline,  
        ?  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores),  
        ?  mobile phone service, and  
        ?  internet, cable and satellite TV service. 
            
      Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        ?  oil, propane, home heating companies,  
        ?  PayPal, 
        ?  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        ?  discount supercenters (including but not limited to Wal-Mart and Target).  
       
      Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
      fraudulent charges or other credits for such Purchases.  
       
      Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
      Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
      pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for P urchases made 
      while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
      cash back rewards program. 
       
      Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
      of Eligible Purchases.  We will give you prior notice to the extent required by law.  The current version of this Program may be foun d at 
      www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
       
                                          10 
       
       
      Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such even t, we will 
      evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
      Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current bi lling period in the form of a 
      statement credit. 
      Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone maki ng a 
      claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
      any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
      responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
      Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
      rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
      federal, state or local law. 
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
        
       
       
       
       
       
       
       
       
      � 2020 Credit One Bank, N.A. All rights reserved. 
      Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01513 05/20      D246 
                                          11 
       
     Back to Top
      D248                   CARD AGREEMENT   
       
      Pricing Summary 
       
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.40% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
                           24.40% 
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate. 
                           24.40% 
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
       
      How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
      more details. 
        
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
       
      *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
      the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
      the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
       
      Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
      statement.  
       
      **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
      If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
      Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
      not exceed the related Minimum Payment that was due. 
       
      Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This 
      corresponds to a monthly periodic rate of 2.03333%.  
       
      Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
      Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        ?  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        ?  any Late Payment Fee for the current billing cycle; 
        ?  and any Past Due Amount (excluding any past due Late Payment Fees).  
       
      The Agreement  
      This Agreement, together with the Pricing Summary, is your contract with us. 
       
      Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
      Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
      Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
       
      Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Pro vision. See 
      �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
       
      Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
      as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
       
      Definitions  
       
      Account means the Credit One Bank card account under this Agreement.  
       
      Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
      a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
       
      Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
      be used to pay us or our affiliates.  A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
       
      Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your auth orization to get 
      credit under this Agreement.  
       
      Cardholder refers to each person with a card issued in their name.  
       
      Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
       
      Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
       
      Purchase means the use of the Account to obtain goods or services.  
       
      Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
      if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute anot her index.  
       
      we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
       
      you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
       
                                           2 
       
      Features and Use of Your Account  
       
      Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
      make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
      only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
      use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
       
      Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
      designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
      notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
      obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
      of any payment that we receive for up to 12 calendar days.  
       
      Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
      the request.  
       
      Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyo ne 
      refuses any use of your Card.  
       
      Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
      to any merchant at our discretion. Contact the merchant to stop automatic billing.  
       
      Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
      the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
      court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
      the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
      We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
       
      Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
      Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
      terms or for any consequences from violating those terms.  
       
      Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
      person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account inf ormation including 
      balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, informatio n regarding the Account 
      will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
      Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added t o the Account, (2) have 
      provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
      Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection wit h the Account. The 
      Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
       
      Interest Rates and Interest Changes  
       
      Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
      Purchases, unless a promotional rate applies.  
       
      Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
      the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
      The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
      changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
       
      Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
      for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
      balances.  
       
      For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
      This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
      add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
       
      transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
      to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
      zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
      type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
      charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
      all types of balances are then added together to determine the total interest charged that billing cycle.  
       
      When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
      until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
      on Balance Transfers or Cash Advances. 
       
      How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
      shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current bi lling statement. The 
      Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
      interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
      interest on the unpaid portion of your balance.  
       
      Fees  
      See the Pricing Summary for additional Fee information.  
       
      Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
      to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
      and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
       
      Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of you r 
      request and before you agree to it.  
       
      Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
      a promotional fee applies.  
       
      Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
      U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of t he purchase.  
       
      Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
      be informed of the amount of the fee before you complete the transaction.  
       
      Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
      charged a fee of up to $10 for each statement copy requested.  
       
      Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
      will be charged a fee of $6 for each sales slip copy requested.  
       
      Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
       
      Payments  
       
      Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
       
      Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
      (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
      zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
      balance will be rounded to zero and you will not receive a refund of this amount.  
       
      Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
      contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
      a delay in processing and crediting the payment to your Account.  
       
                                           4 
       
      Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
      and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193 -5516. We can accept 
      late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
      this Agreement.  
       
      Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
      check on the day we receive it.  
       
      Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
      being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
       
      Collecting, Sharing, and Updating Information  
       
      Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
      the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; an d how you can limit our 
      sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditO ne.com if you would like 
      a copy.  
       
      Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
      your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Accou nt and provide renewal of 
      credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
      of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
      agency that provided us with information concerning you.  
       
      Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
      properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
      Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
       
      Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
      Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
      number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
      may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
      or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
      contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
      to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card f or verification and identification 
      purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
      about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
      communications to us, to or from any such number or email address, without reimbursement from us.  
       
      Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
      related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
      Please: 
        ?  include your name, mailing address, and the last four digits of your Account number;  
        ?  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        ?  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        ?  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
       
      Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
       
      Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
       
      Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
      your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
      You can update your mobile number by calling us at the phone number on the back of your Card.  
       
      Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
      a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
                                           5 
       
      partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
      you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
       
      Account Closure  
       
      Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
      believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
      Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account f or an illegal transaction; 
      (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
      permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Acco unt balance immediately 
      due and payable without advance notice.  
       
      Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonabl e 
      attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
       
      Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
      joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
      an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
      is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
      to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
      to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
       
      Arbitration Agreement  
       
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
       
      This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
      have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
       
      If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
      resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitra tor 
      decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
      PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
       
      Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
      you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
      transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
      seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
      else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
      predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
      the subject matter of the claim or dispute at issue.  
       
      Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
      Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
      your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt rel ated 
      to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitati ons, or any application for, 
      approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on a ny theory of law, whether 
      contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
      they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is close d, you pay us in full any 
      outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope o f 
      this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
      subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow i t to be enforced.  
      Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
      small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
       
                                           6 
       
      No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
      similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
      account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
       
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
       
      The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
      basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
      This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
      the named party. �  
       
      � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
      of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
      billing address for your Account is a California address (hereafter, �California Account Holder�).  
       
      Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
      AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this a rbitration provision. 
      Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
      mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
      in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
      appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
      arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
      the FAA).  
       
      Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
      organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
      may represent yourself in arbitration, or you may be represented by a lawyer.  
       
      Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
      is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
      the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
      Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privil ege recognized by law. Subject 
      to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
      damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
      or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
      disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
      on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
      have any bearing on another person or dispute.  
       
      If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
      or in an in-person hearing.  
       
      Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless th e parties 
      agree to a different place.  
       
      The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
      administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbit rators designated by the 
      same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
      aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
      Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
      by any court having jurisdiction.  
       
      Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
      arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
      administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
                                           7 
       
      procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
      expenses to you or us if allowed by applicable law.  
       
      Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
      to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
      of your Account(s).  
       
      How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
      within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
      Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
      decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
      account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
       
      Survival, Severability, and Amendment of Terms: 
      Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
      including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
      Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
      and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
      or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
      to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitra tion is 
      unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described a bove.  
      Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
      in a written agreement between you and us. 
       
      Other Information  
       
      Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
      International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be d one at a rate selected by 
      Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
      from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
      conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
      is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
       
      Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
      consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
       
      Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
      permission.  
       
      Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligat ions under 
      this Agreement.  
       
      No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
       
      Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such la ws 
      apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
       
      Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
      to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
       
      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 the Billing Inquiries address on the statement.  
       
      In your letter, give us the following information:  
        ?  Account information: Your name and Account number.  
                                           8 
       
        ?  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 wro ng.  
       
      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 alre ady 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 $50.00 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 pri ce must have 
        been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing I nquiries address shown on your 
      statement.  
       
      While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
      At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
       
        
                                           9 
       
      Cash Back Rewards Program Supplement  
      This Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplements the Card 
      Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
      the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applic able, and this Supplement. 
      In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
       
      Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of Net Eligible Purchases (as 
      defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
      We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purcha ses made with your 
      Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in yo ur Card Agreement, at the 
      time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
       
      Merchant Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or 
      its processor in accordance with Visa/ Mastercard procedures based on the kinds of products and services they primarily sell. We group similar 
      merchant codes into Eligible Purchase categories for purposes of making cash back rewards offers to you. Please note: 
        ?  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant c ode in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category. 
        ?  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible Code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one location 
           may submit Purchases using different codes, including codes that are not eligible under this Program. This means that Purchas es from the 
           same merchant at a different location may result in no cash back rewards. 
        ?  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category. 
       
      Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        ?  gasoline, 
        ?  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores), 
        ?  dining (dining Purchases do not include Purchases at stores like bakeries, candy, nut of confections stores), 
        ?  mobile phone service, and 
        ?  internet, cable and satellite TV service. 
       
      Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        ?  oil, propane, home heating companies, 
        ?  PayPal, 
        ?  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        ?  discount supercenters (including but not limited to Wal-Mart and Target).  
       
      Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
      fraudulent charges or other credits for such Purchases. 
       
      Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
      Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to 
      pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for P urchases made 
      while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One 
      Bank cash back rewards program. 
       
      Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
      of  Eligible Purchases. We  will  give  you  prior  notice  to  the  extent  required  by  law.  The  current  version  of this  Program may  be  f ound  at 
      www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability to earn cash back rewards. 
       
      Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
      evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
      Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current bi lling period in the form of a 
      statement credit. 
       
                                          10 
       
      Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
      claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
      any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
      responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
      Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
      back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, 
      by federal, state or local law. 
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
      � 2020 Credit One Bank, N.A. All rights reserved. 
      Credit One�, Credit One Bank� and corresponding logos are federally registered trademarks.  C50-01515 05/20       D248 
                                          11 
       
     Back to Top
      D250                   CARD AGREEMENT   
       
      Pricing Summary 
       
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
                           23.99% 
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate. 
                           23.99% 
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
                            
      Annual Fee           $0 
                            
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
       
      How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
      more details. 
        
      Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
       
      *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
      the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
      the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
       
      Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
      statement.  
       
      **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
      If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
      Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
      not exceed the related Minimum Payment that was due.  
       
      Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
      corresponds to a monthly periodic rate of 1.99917%.  
       
      Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
      Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        ?  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        ?  any Late Payment Fee for the current billing cycle; 
        ?  and any Past Due Amount (excluding any past due Late Payment Fees).  
       
      The Agreement  
      This Agreement, together with the Pricing Summary, is your contract with us. 
       
      Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
      Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
      Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
       
      Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
      �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
       
      Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
      as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
       
      Definitions  
       
      Account means the Credit One Bank card account under this Agreement.  
       
      Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
      a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
       
      Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
      be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
       
      Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your auth orization to get 
      credit under this Agreement.  
       
      Cardholder refers to each person with a card issued in their name.  
       
      Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
       
      Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
       
      Purchase means the use of the Account to obtain goods or services.  
       
      Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
      if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute a nother index.  
       
      we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
       
      you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
       
                                           2 
       
      Features and Use of Your Account  
       
      Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
      make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
      only for personal, family, or household purposes, and if your Account is used for any other purpose you are still responsible for such use. You may not 
      use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
       
      Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
      designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
      notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
      obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
      of any payment that we receive for up to 12 calendar days.  
       
      Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
      the request.  
       
      Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
      refuses any use of your Card.  
       
      Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
      to any merchant at our discretion. Contact the merchant to stop automatic billing.  
       
      Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
      the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
      court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
      the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
      We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
       
      Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
      Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
      terms or for any consequences from violating those terms.  
       
      Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
      person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account inf ormation including 
      balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, informatio n regarding the Account 
      will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
      Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added t o the Account, (2) have 
      provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
      Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection wit h the Account. The 
      Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
       
      Interest Rates and Interest Changes  
       
      Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
      Purchases, unless a promotional rate applies.  
       
      Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
      the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
      The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
      changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
       
      Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
      for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
      balances.  
       
      For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
      This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
      add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
       
      transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
      to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
      zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �aver age daily balance� for that 
      type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
      charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
      all types of balances are then added together to determine the total interest charged that billing cycle.  
       
      When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
      until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
      on Balance Transfers or Cash Advances. 
       
      How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
      shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current bi lling statement. The 
      Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
      interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
      interest on the unpaid portion of your balance.  
       
      Fees  
      See the Pricing Summary for additional Fee information.  
       
      Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
      to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
      and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
       
      Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of you r 
      request and before you agree to it.  
       
      Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
      a promotional fee applies.  
       
      Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
      U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of t he purchase.  
       
      Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
      be informed of the amount of the fee before you complete the transaction.  
       
      Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
      charged a fee of up to $10 for each statement copy requested.  
       
      Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
      will be charged a fee of $6 for each sales slip copy requested.  
       
      Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
       
      Payments  
       
      Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
       
      Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
      (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balanc e will be rounded to 
      zero and you will not receive a bill for this amount. (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the 
      balance will be rounded to zero and you will not receive a refund of this amount.  
       
      Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
      contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
      a delay in processing and crediting the payment to your Account.  
       
                                           4 
       
      Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in fu ll,� 
      and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
      late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
      this Agreement.  
       
      Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
      check on the day we receive it.  
       
      Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
      being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
       
      Collecting, Sharing, and Updating Information  
       
      Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
      the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
      sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditO ne.com if you would like 
      a copy.  
       
      Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
      your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Acco unt and provide renewal of 
      credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
      of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
      agency that provided us with information concerning you.  
       
      Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
      properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
      Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
       
      Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
      Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
      number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
      may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
      or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
      contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
      to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
      purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
      about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
      communications to us, to or from any such number or email address, without reimbursement from us.  
       
      Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
      related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
      Please: 
        ?  include your name, mailing address, and the last four digits of your Account number;  
        ?  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        ?  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        ?  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
       
      Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
       
      Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
       
      Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
      your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
      You can update your mobile number by calling us at the phone number on the back of your Card.  
       
      Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
      a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
                                           5 
       
      partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
      you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
       
      Account Closure  
       
      Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
      believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to com ply with the terms of this 
      Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
      (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
      permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Acco unt balance immediately 
      due and payable without advance notice.  
       
      Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
      attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
       
      Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
      joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If you r Account is subject to 
      an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
      We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
      is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
      However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero an d you will not be required 
      to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
      to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
       
      Arbitration Agreement  
       
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
       
      This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
      have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
       
      If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
      resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
      decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
      PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
       
      Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
      you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
      transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U. S.C. �1 et 
      seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
      For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
      else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
      predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
      the subject matter of the claim or dispute at issue.  
       
      Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
      Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
      your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
      to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
      approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on a ny theory of law, whether 
      contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
      they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
      outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
      this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
      subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow i t to be enforced.  
      Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
      small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
       
                                           6 
       
      No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
      similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claim s (except for claimants on the same 
      account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only :  
       
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
       
      The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
      basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
      This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
      the named party. �  
       
      � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
      of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
      billing address for your Account is a California address (hereafter, �California Account Holder�).  
       
      Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
      AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this a rbitration provision. 
      Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
      mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
      in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
      appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
      In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
      arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
      the FAA).  
       
      Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
      organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
      may represent yourself in arbitration, or you may be represented by a lawyer.  
       
      Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
      is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
      the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
      Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privil ege recognized by law. Subject 
      to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
      damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
      or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
      disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
      on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
      have any bearing on another person or dispute.  
       
      If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
      or in an in-person hearing.  
       
      Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is f iled, unless the parties 
      agree to a different place.  
       
      The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
      administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbit rators designated by the 
      same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
      aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
      Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
      by any court having jurisdiction.  
       
      Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
      arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
      administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
                                           7 
       
      procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
      expenses to you or us if allowed by applicable law.  
       
      Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
      to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
      of your Account(s).  
       
      How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
      within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
      Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
      decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
      account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
       
      Survival, Severability, and Amendment of Terms: 
      Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
      including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another p erson or entity. 
      Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
      and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
      or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
      to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
      unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described abo ve.  
      Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
      in a written agreement between you and us. 
       
      Other Information  
       
      Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, Mastercard 
      International Incorporated or Visa Incorporated will convert that charge into a U.S. Dollar amount. That conversion will be d one at a rate selected by 
      Mastercard or Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary 
      from the rate Mastercard or Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The currency 
      conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or on the date the transaction 
      is posted to your Account. You agree to pay the converted amount, including any charges for the conversion that may be imposed as described above.  
       
      Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
      consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
       
      Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
      permission.  
       
      Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligat ions under 
      this Agreement.  
       
      No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
       
      Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such la ws 
      apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
       
      Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
      to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
       
      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 the Billing Inquiries address on the statement.  
      In your letter, give us the following information:  
        ?  Account information: Your name and Account number.  
        ?  Dollar amount: The dollar amount of the suspected error.  
                                           8 
       
        ?  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 wro ng.  
       
      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 correc t.  
       
      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 t hat 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 stil l 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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
      statement.  
       
      While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
      At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
       
        
                                           9 
       
      Cash Back Rewards Program Supplement  
       
      This Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplements the Card 
      Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
      the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. 
      In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, t his Supplement controls. 
       
      Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 2% of Net Eligible Purchases (as 
      defined below) made with your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. 
      We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purcha ses made with your 
      Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the 
      time the credit is to be posted, you WILL NOT receive the credit. Cash back rewards have no cash value. 
       
      Merchant Categories: Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
      accordance with the applicable credit card network�s procedures based on the kinds of products and services they primarily sell. We have no control 
      over merchant codes. Please note: 
        ?  We make every effort to include all relevant merchant codes in our cash back rewards categories. However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant c ode in that 
           category. When this occurs, Purchases with that merchant won�t qualify for cash back rewards offers on Purchases in that category. 
        ?  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible Code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one l ocation 
           may submit Purchases using different codes, including codes that are not eligible under this Program. This means that Purch ases from the 
           same merchant at a different location may result in no cash back rewards. 
        ?  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category.  
       
      Eligible Purchases: Eligible Purchases are Purchases from merchants in the following categories:  
        ?  gasoline, 
        ?  grocery (grocery Purchases do not include Purchases at superstores, at stores that sell groceries and other products like drugstores and 
           convenience stores; or at smaller stores like bakeries, candy, nut or confection stores), 
        ?  mobile phone service, and 
        ?  internet, cable and satellite TV service. 
       
      Purchases That Are Not Eligible: Purchases from the following types of merchants are not eligible for cash back rewards: 
        ?  oil, propane, home heating companies, 
        ?  PayPal, 
        ?  warehouse clubs (including but not limited to Sam�s Club and Costco), 
        ?  discount supercenters (including but not limited to Wal-Mart and Target).  
       
      Net Eligible Purchases: Net Eligible Purchases are Eligible Purchases minus any returns, disputed charges, unauthorized charges, illegal or 
      fraudulent charges or other credits for such Purchases. 
       
      Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Eligible Purchase. 
      Automatic statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required 
      to pay at least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases 
      made while your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit 
      One Bank cash back rewards program. 
       
      Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
      of Eligible Purchases. We will give you prior notice to the extent required by law. Any revisions may affect your ability to earn cash back rewards. 
       
      Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
      evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
      Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form o f 
      a statement credit. 
       
      Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making 
      a claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused 
                                          10 
       
      by any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be 
      your responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of 
      your Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limite d to the amount of any 
      cash back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, 
      respectively, by federal, state or local law. 
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
       
      � 2020 Credit One Bank, N.A. All rights reserved. 
      Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01518 06/20        D250 
                                          11 
       
     Back to Top
      
     D102                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases   
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce 
     the amount of your available credit.  
      
                                           1 
      
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 1.99917%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
                                           2 
      
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
                                           3 
      
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
       
                                           4 
      
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount.  
     (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not 
     receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
                                           5 
      
      
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
                                           6 
      
      
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
                                           7 
      
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
                                           8 
      
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 the Billing Inquiries address on the statement.  
      
     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 $50.00 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:  
                                           9 
      
      
     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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
      
      
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01476 03/20        D102 
                                          10 
      
      Back to Top
      
     D103                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.40% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.40% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.40% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
      
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This 
     corresponds to a monthly periodic rate of 2.03333%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
                                           2 
      
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
                                           3 
      
      
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount.  
     (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not 
     receive a refund of this amount.  
                                           4 
      
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
                                           5 
      
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
                                           6 
      
      
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
                                           7 
      
      
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
                                           8 
      
      
     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 the Billing Inquiries address on the statement.  
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
                                           9 
      
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01477 03/20        D103 
                                          10 
      
     Back to Top
      
     D105                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.40% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.40% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.40% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0  
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
                                           1 
      
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This 
     corresponds to a monthly periodic rate of 2.03333%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
                                           2 
      
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
                                           3 
      
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
                                           4 
      
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount.  
     (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not 
     receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
                                           5 
      
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a co urt. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
                                           6 
      
      
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
                                           7 
      
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
                                           8 
      
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 the Billing Inquiries address on the statement.  
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate the company that sold you the goods or services.)  
                                           9 
      
      
     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 the Billing Inquiries address shown on your 
     statement.  
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01479 03/20        D105 
                                          10 
      
     Back to Top
      
     D222                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
      
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 1.99917%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
                                           2 
      
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
                                           3 
      
      
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount.  
     (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not 
     receive a refund of this amount.  
      
                                           4 
      
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
                                           5 
      
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
                                           6 
      
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
                                           7 
      
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
       
                                           8 
      
      
     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 the Billing Inquiries address on the statement.  
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
                                           9 
      
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01488 03/20        D222 
                                          10 
      
      Back to Top
      
     D242                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.40% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.40% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  24.40% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $95 
                            
      Transaction Fees      
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
                                           1 
      
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This 
     corresponds to a monthly periodic rate of 2.03333%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
                                           2 
      
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
                                           3 
      
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount.  
                                           4 
      
      
     (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not 
     receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
                                           5 
      
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
                                           6 
      
      
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
                                           7 
      
      
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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.  
                                           8 
      
      
     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 the Billing Inquiries address on the statement.  
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
                                           9 
      
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Bank Cash Back Rewards Program (�Program�) and supplements the Card 
     Agreement that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in 
     the Program. Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. 
     In the event of a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls. 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit for purchases using your Account minus 
     returns, refunds, disputed charges and fraudulent transactions (�Net Eligible Purchases�), as follows: 
      
        �  5% cash back rewards on eligible gas, grocery, mobile phone service, and internet,  cable and satellite TV service purchases for the first 
           $5,000  per calendar year in eligible gas, grocery, mobile phone service, and internet, cable and satellite  TV service purchases,  and then 
           1% thereafter. 
      
           ?  Certain Non-Eligible Purchases.  You will only earn 1% cash back rewards, not 5%, for: 
                ?  Any purchase at a warehouse club (including but not limited to Sam�s Club and Costco); 
                ?  Groceries purchased at stores that sell groceries and other products like drugstores and convenience stores or at smaller 
                  stores like bakeries, candy, nut or confection stores; 
                ?  Purchases for oil or propane or at home heating companies; and 
                ?  Purchases made with PayPal or at a discount supercenter (including but not limited to Wal-Mart and Target). 
      
        �  1% cash back rewards on all other purchases, including, the non-eligible purchases listed above. 
      
     You do not earn cash back rewards on Cash Advances, Balance Transfers, unauthorized charges, items returned for credit, interest, fees, and other 
     charges.  We will post a statement credit to your Account within seven days after the end of the month based on the Net Eligible Purchases made with 
     your Account from the 27th of the previous month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at 
     the time any credit is to be posted, you WILL NOT receive the applicable credit. Cash back rewards have no cash value. 
      
     Merchant Categories:  Merchants who accept credit cards are assigned a merchant code, which is determined by the merchant or its processor in 
     accordance with the applicable credit card network�  procedures  based on the kinds of products and services they primarily sell. We have no control 
     over merchant codes. Please note: 
        �  We make every effort to include all relevant merchant codes in our cash back rewards categories.  However, even though a merchant or 
           some of the items that it sells may appear to fit within a cash back rewards category, the merchant may not have a merchant code in that 
           category. When this occurs, purchases with that merchant won�t qualify for cash back rewards on purchases in that category. 
        �  Although a merchant or the items that it sells may appear to fit the cash back rewards categories, the merchant may not have or use an 
           eligible merchant code. Purchases made without an eligible code WILL NOT qualify for cash back rewards. A merchant with more than one 
           location may submit purchases using different codes, including codes that are not eligible under this Program. This means that purchases 
           from the same merchant at a different location may result in no cash back rewards. 
        �  Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, 
           online or mobile digital wallets, or similar technology will not qualify in a cash back rewards category if the technology is not set up to process 
           the purchase in that cash back rewards category. 
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One Bank 
     cash back rewards program. 
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time, including without limitation amendments to the definition 
     of eligible and non-eligible purchase at any time without notice. We will give you prior notice to the extent required by law. Any revisions may affect 
     your ability to earn cash back rewards. 
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit. 
      
                                          10 
      
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One Bank may have to you in connection with the Program shall be limited to the amount of any cash 
     back rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restr icted, respectively, 
     by federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01506 03/20        D242 
                                          11 
      
      Back to Top
      
     D244                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $75 for the first year.  After that $99 annually ($8.25 per month). 
                            
      Transaction Fees      
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     Authorized User Card Fee: If you request a card for an authorized user, we charge an Authorized User Card Fee of $19 annually. This fee will reduce 
     the amount of your available credit.  
                                           1 
      
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $28, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $28, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 1.99917%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
                                           2 
      
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
                                           3 
      
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
                                           4 
      
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount.  
     (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not 
     receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
                                           5 
      
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
                                           6 
      
      
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
                                           7 
      
      
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
       
                                           8 
      
      
     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 the Billing Inquiries address on the statement.  
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
      
                                           9 
      
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01508        D244 
                                          10 
      
     Back to Top
      
     D245                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0 
                            
      Transaction Fees      
      � Cash Advance       Either $10 or 5% of the amount of each Cash Advance, whichever is greater. 
                            
      � Balance Transfer   Either $10 or 5% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
                                           1 
      
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 1.99917%. 
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        �  3.5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        �  any Late Payment Fee for the current billing cycle; 
        �  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
                                           2 
      
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
                                           3 
      
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount.  
                                           4 
      
      
     (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not 
     receive a refund of this amount.  
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        �  include your name, mailing address, and the last four digits of your Account number;  
        �  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        �  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        �  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
                                           5 
      
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
                                           6 
      
      
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
                                           7 
      
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 the Billing Inquiries address on the statement.  
      
                                           8 
      
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
       
                                           9 
      
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01509 03/20        D245 
                                          10 
      
      Back to Top
     D247                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.40% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
                           24.40% 
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate. 
                           24.40% 
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This 
     corresponds to a monthly periodic rate of 2.03333%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        ?  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        ?  any Late Payment Fee for the current billing cycle; 
        ?  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
                                           2 
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
      
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount.  
     (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not 
     receive a refund of this amount.  
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
                                           4 
      
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        ?  include your name, mailing address, and the last four digits of your Account number;  
        ?  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        ?  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        ?  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
                                           5 
      
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a court. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
                                           6 
      
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
                                           7 
      
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
     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 the Billing Inquiries address on the statement.  
      
     In your letter, give us the following information:  
        ?  Account information: Your name and Account number.  
        ?  Dollar amount: The dollar amount of the suspected error.  
                                           8 
      
        ?  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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
      
                                           9 
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01514 06/20        D247 
                                          10 
      
      Back to Top
     D251                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  24.40% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
                           24.40% 
      APR for Balance Transfers 
                           This APR will vary with the market based on the Prime Rate. 
                           24.40% 
      APR for Cash Advances 
                           This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $0  
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
                                           1 
      
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 21.15%. This 
     corresponds to a monthly periodic rate of 2.03333%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        ?  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        ?  any Late Payment Fee for the current billing cycle; 
        ?  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
                                           2 
      
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
                                           3 
      
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount.  
     (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not 
     receive a refund of this amount.  
      
                                           4 
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        ?  include your name, mailing address, and the last four digits of your Account number;  
        ?  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        ?  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        ?  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
                                           5 
      
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a co urt. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
                                           6 
      
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the ar bitration, and shall not 
     have any bearing on another person or dispute.  
      
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
                                           7 
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
      
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
     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 the Billing Inquiries address on the statement.  
                                           8 
      
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
                                           9 
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01517 06/20        D251 
                                          10 
      
      Back to Top
     D252                   CARD AGREEMENT   
      
     Pricing Summary 
      
      Interest Rates and Interest Charges 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Purchases  
                           This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Balance Transfers  This APR will vary with the market based on the Prime Rate. 
      ANNUAL PERCENTAGE RATE  23.99% 
      (APR) for Cash Advances  This APR will vary with the market based on the Prime Rate. 
                           Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest 
      Paying Interest      on Purchases if you pay your entire balance by the due date each month. We will begin charging interest 
                           on Cash Advances and Balance Transfers from the posting date.  
      Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00.  
      For Credit Card Tips from the 
                           To learn more about factors to consider when applying for or using a credit card, visit the website of the 
      Consumer Financial Protection 
                           Consumer Financial Protection Bureau at http:// www.consumerfinance.gov/learnmore. 
      Bureau 
      Fees 
      Annual Fee           $39 
                            
      Transaction Fees      
      � Balance Transfer   Either $5 or 8% of the amount of each Balance Transfer, whichever is greater. 
                            
      � Cash Advance       Either $5 or 8% of the amount of each Cash Advance, whichever is greater. 
                            
      � Foreign Transaction  Either $1 or 3% of the amount of each purchase in U.S. dollars, whichever is greater. 
       
                            
      Penalty Fees          
      � Late Payment       Up to $39* 
                            
      � Returned Payment   Up to $39** 
      
     How We Will Calculate Your Balance: We use a method called �average daily balance (including new Purchases).� See your Card Agreement for 
     more details. 
       
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Card Agreement.  
      
     *Late Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). Currently 
     the fee is $29, unless you incurred a Late Payment Fee during the prior six billing cycles. If you did, the fee is currently $39. This fee will not exceed 
     the related Minimum Payment that was due. We charge a Late Payment Fee to your Account if at least the Amount Due This Period (less any Late 
                                           1 
      
     Payment Fee for the current billing cycle) plus any Past Due Amount is not received by 5:00 p.m. PT on the Payment Due Date shown on your 
     statement. 
      
     **Returned Payment Fee: We will charge the maximum safe harbor amount, which is set annually in accordance with 12 C.F.R 1026.52(b)(1)(ii)(D). 
     If a payment is not honored upon first presentment, even if the payment is later honored, a Returned Payment Fee will be charged to your Account. 
     Currently, the fee is $29, unless you incurred a Returned Payment Fee in the prior six billing cycles. If you did, the fee is currently $39. This fee will 
     not exceed the related Minimum Payment that was due. 
      
     Additional Rate Information: The Purchase, Balance Transfer and Cash Advance APR equals the Prime Rate plus a margin of 20.74%. This 
     corresponds to a monthly periodic rate of 1.99917%.  
      
     Minimum Payments: You may pay the entire New Balance shown on your billing statement at any time. Each billing period you must pay at least the 
     Minimum Payment Due by the Payment Due Date shown on your billing statement. The Minimum Payment Due will be the sum of: 
        ?  5% of your outstanding balance, rounded up to the next whole dollar, or $30, whichever is greater; 
        ?  any Late Payment Fee for the current billing cycle; 
        ?  and any Past Due Amount (excluding any past due Late Payment Fees).  
      
     The Agreement  
     This Agreement, together with the Pricing Summary, is your contract with us.  
      
     Accepting this Agreement: You accept this Agreement when you use the Account. You may still reject this Agreement if you have not yet used the 
     Card, used the Account, or paid a fee after receiving a billing statement. To reject the Agreement, call us at 866-515-5721 or write us at Bank Card 
     Center, P.O. Box 95516, Las Vegas, NV 89193-5516. If you reject the Agreement, you are not responsible for any fees or charges.  
      
     Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See 
     �How to REJECT this agreement to arbitrate� in the Arbitration section. If you do not, it will be part of this Agreement.  
      
     Promise to Pay: You agree to pay us for all amounts due on your Account, including credit for Purchases, Balance Transfers, and Cash Advances, 
     as well as interest charges and fees. This includes charges made by Additional Cardholders and other Authorized Users. 
      
     Definitions  
      
     Account means the Credit One Bank card account under this Agreement.  
      
     Authorized User means any person you allow to use your Account or Card, including Additional Cardholders. If the Authorized User has been issued 
     a Card and you want to terminate the Authorized User, you must notify us by telephone or in writing. 
      
     Balance Transfer means a transaction we designate that allows you to use your Account to pay another creditor or yourself. Balance Transfers cannot 
     be used to pay us or our affiliates. A Balance Transfer will be subject to the terms of the Balance Transfer offer and this Agreement.  
      
     Card refers to one or more cards or access devices, including your Account number, that we give you or someone else with your authorization to get 
     credit under this Agreement.  
      
     Cardholder refers to each person with a card issued in their name.  
      
     Cash Advance means the use of your Account to obtain funds at a financial institution or the use of a Convenience Check.  
      
     Convenience Check means a check we issue to you to take a Cash Advance. You may not use these checks to pay us or our affiliates.  
      
     Purchase means the use of the Account to obtain goods or services.  
      
     Prime Rate means the highest U.S. Prime Rate in the Money Rates section of The Wall Street Journal on the 25th day of the month, or the next day 
     if that day is not a publication day. If The Wall Street Journal does not publish the U.S. Prime Rate, we may substitute another index.  
      
     we, us, our, and Credit One Bank refer to Credit One Bank, N.A., the issuer of your Card.  
      
     you, and your refer to each person who has applied for the Account and where appropriate, the Authorized User.  
      
                                           2 
      
     Features and Use of Your Account  
      
     Using Your Card: You may make Purchases wherever the Card is accepted. You may use the Account to obtain Cash Advances, but you may not 
     make more than two Cash Advance transactions per day and you may not obtain more than $200 in Cash Advances per day. You may use the Account 
     for only personal, family, household, or charitable purposes, and if your Account is used for any other purpose you are still responsible for such use. 
     You may not use the Account for business or commercial purposes. The Account may not be used for online or internet gambling or illegal purposes.  
      
     Your Credit Limit: We will tell you your credit limit. Keep your Account balance below your credit limit. If you do not, you must still pay us. We may 
     designate part of your credit limit as a Cash Advance limit and part as a Balance Transfer limit. We may change your credit limit(s) at any time, without 
     notice. You may use a portion of your credit limit for Cash Advances and Balance Transfers. Each Purchase, Cash Advance, and Balance Transfer 
     obtained will reduce the amount of available credit under your credit limit until it is repaid. We may delay increasing your available credit by the amount 
     of any payment that we receive for up to 12 calendar days.  
      
     Credit Limit Increase: To request a credit limit increase contact the Customer Service number on your statement. We may impose a fee for processing 
     the request.  
      
     Credit Authorizations: We may decline to authorize a transaction for any reason. We will not be liable to you if we decline a transaction or if anyone 
     refuses any use of your Card.  
      
     Automatic Billing: You may set up automatic billing with a merchant. You authorize us to provide an updated Account number or Card expiration date 
     to any merchant at our discretion. Contact the merchant to stop automatic billing.  
      
     Joint Accounts: If this is a joint account, each of you is responsible individually and together for all amounts owed. Each of you is responsible even if 
     the Account is used by only one of you. You will continue to be liable for the entire balance of the Account, even if your co-applicant is ordered by a 
     court to pay us. You will remain liable to us if your co-applicant fails to pay as ordered by the court. Your Account status will continue to be reported to 
     the credit reporting agencies under each of your names. The delivery of notices or billing statements to either of you serves as delivery to each of you. 
     We may rely on instructions given by either of you. We are not liable to either of you for relying upon such instructions.  
      
     Electronic Access: Applications (apps) on electronic devices (such as mobile wallets) can store your Card and can be used to get credit under this 
     Agreement. Such transactions are covered by this Agreement. Apps may have separate terms of use. We are not responsible if you violate those 
     terms or for any consequences from violating those terms.  
      
     Additional Cardholder: At your request, we may, at our discretion, issue, in the name of another person, an additional Card on your Account. That 
     person is an Additional Cardholder, as well as an Authorized User. An Additional Cardholder has access to certain Account information including 
     balance, available credit and payment information. If you advise us that the Additional Cardholder is your spouse, information regarding the Account 
     will be provided to consumer reporting agencies in your name as well as in the name of the Additional Cardholder. By requesting that we add an 
     Additional Cardholder to your Account, you represent that you (1) have the consent of the Additional Cardholder to be added to the Account, (2) have 
     provided a copy of this Agreement to the Additional Cardholder, and (3) if the Additional Cardholder is your spouse, you have told the Additional 
     Cardholder that Credit One Bank will furnish credit information about them to the credit reporting agencies in connection with the Account. The 
     Additional Cardholder may report the Card lost or stolen and may remove him or herself from the Account. 
      
     Interest Rates and Interest Changes  
      
     Annual Percentage Rates (APRs): See the Pricing Summary for your APRs. The APR for Balance Transfers will be the same as the APR for standard 
     Purchases, unless a promotional rate applies.  
      
     Variable Rates: Your Pricing Summary indicates whether you have any variable APRs. Variable APRs are determined by adding to the Prime Rate 
     the number of percentage points (�margin�) specified in the Pricing Summary. Variable APRs will increase or decrease when the Prime Rate changes. 
     The APR change will take effect beginning with billing cycles that end on or after the first day of the month after the month in which the Prime Rate 
     changes. An increase in the APR will increase your interest charges and may increase your Minimum Payment Due.  
      
     Average Daily Balance Method (including new transactions): We calculate interest each billing cycle by first figuring the �average daily balance� 
     for each type of balance. Standard Purchases, standard Cash Advances, standard Balance Transfers, and each promotional offer, are all types of 
     balances.  
      
     For each type of balance, for each billing cycle, we start with the balance on the last day of your previous billing cycle. We subtract any unpaid interest. 
     This is the beginning balance each day. Each day of the billing cycle we subtract any new payments and credits applied to that type of balance. We 
     add any new transactions and fees for that type of balance. We add Purchases, Cash Advances, and Balance Transfers on the post date. We add 
                                           3 
      
     transaction fees on promotional rate and non-promotional rate Balance Transfers to the same type of balance as the transaction. We add all other fees 
     to the standard Purchase balance. This gives us the daily balance for that type of balance, except that if the daily balance is negative, we treat it as 
     zero. We then add up all of the daily balances and divide by the number of days in the billing cycle. This gives us the �average daily balance� for that 
     type of balance. We multiply the average daily balance by the applicable monthly periodic rate (the APR divided by 12). This gives us the interest 
     charged for that type of balance for that billing cycle. This interest is included in the Account balance on the last day of the billing cycle. The results for 
     all types of balances are then added together to determine the total interest charged that billing cycle.  
      
     When Interest Begins: We begin to impose interest on a transaction or fee from the day we add it to the daily balance. We continue to impose interest 
     until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest 
     on Balance Transfers or Cash Advances. 
      
     How to Avoid Paying Interest on Purchases (�Grace Period�): If you pay the New Balance on your billing statement by the Payment Due Date 
     shown on that billing statement, we will not impose interest on new Purchases paid by the Payment Due Date on your current billing statement. The 
     Payment Due Date will be at least 24 days after the close of the billing cycle. If you have been paying your Account balance in full and thereby avoiding 
     interest on Purchases, but then do not pay the next New Statement Balance in full by the Payment Due Date, in that billing cycle we will start charging 
     interest on the unpaid portion of your balance.  
      
     Fees  
     See the Pricing Summary for additional Fee information.  
      
     Annual Fee: If your Account is subject to an Annual Fee, the amount and when it is billed is shown on the Pricing Summary. The Annual Fee is billed 
     to the Account until the Account is closed and the outstanding balance is paid in full. The Annual Fee is refundable as long as you cancel your Account 
     and have not used your card for any Purchases, Cash Advances, or Balance Transfers and you have not made a payment.  
      
     Credit Limit Increase Fee: If a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your 
     request and before you agree to it.  
      
     Transaction Fee for Balance Transfers: The transaction fee for Balance Transfers will be the same as the transaction fee for Cash Advances, unless 
     a promotional fee applies.  
      
     Foreign Transaction Fee: We add this fee for each purchase made outside the U.S. (A purchase is made outside the U.S. unless it is made with a 
     U.S. merchant, processed completely in the U.S., and in U.S. dollars.) The fee is a percentage of the U.S. dollar amount of the purchase. American 
     Express charges a foreign currency conversion fee of 1% of the amount of the transaction in U.S. dollars. This fee is included as part of the Foreign 
     Transaction Fee listed in the Pricing Summary. 
      
     Optional Express Payment Service Fee: If a representative of ours helps expedite your payment, we may impose an Express Payment fee. You will 
     be informed of the amount of the fee before you complete the transaction.  
      
     Duplicate Statement Fee: If you request a duplicate copy of a monthly statement, for any purpose other than to assert a billing error, you will be 
     charged a fee of up to $10 for each statement copy requested.  
      
     Sales Slip Request Fee: If you request a copy of a sales slip, for any purpose other than to resolve a dispute about the charges on your Account, you 
     will be charged a fee of $6 for each sales slip copy requested.  
      
     Replacement Card Fee: If you request a replacement card, a Replacement Card Fee of up to $25 may be charged to your Account.  
      
     Payments  
      
     Minimum Payment Due: See the Pricing Summary for the minimum payment requirements.  
      
     Small Balances: As it is uneconomical for both you and us to process payments or maintain credits that are $1 or less in amount, you agree as follows: 
     (1) In any billing cycle in which you have had no transactions and your New Balance on the billing date is $1 or less, the balance will be rounded to 
     zero and you will not receive a bill for this amount.  
     (2) In the event that you have a credit balance of $1 or less for two consecutive billing cycles, the balance will be rounded to zero and you will not 
     receive a refund of this amount.  
      
                                           4 
      
     Payment Instructions: You must pay us in U.S. dollars, in funds on deposit in the U.S. We credit your payments in accordance with the terms 
     contained on your billing statement. If you mail your payment to an address other than the address designated on your billing statement, there may be 
     a delay in processing and crediting the payment to your Account.  
      
     Irregular Payments: Any payment submitted in offer of settlement of a disputed debt, including any item containing a notation such as �paid in full,� 
     and any other item with a restrictive endorsement, must be sent to: Credit One Bank, P.O. Box 95516, Las Vegas, NV 89193-5516. We can accept 
     late payments, partial payments, and checks or other items with restrictive endorsements at any other address without losing any of our rights under 
     this Agreement.  
      
     Postdated Checks: You agree that we need not examine any payment check to confirm that it is not postdated and that we may deposit any postdated 
     check on the day we receive it.  
      
     Payment Allocation: We apply payments up to the Minimum Payment Due and credits at our discretion, which may result in balances at lower APRs 
     being paid first and higher interest charges. Payments over the Minimum Payment Due will be applied to balances with higher APRs first.  
      
     Collecting, Sharing, and Updating Information  
      
     Customer Privacy: We send you our Privacy Policy when you open your Account and thereafter in accordance with applicable law. It summarizes 
     the personal information we collect; how we safeguard its confidentiality and security; when it may be shared with others; and how you can limit our 
     sharing of this information. You accept the terms of our Privacy Policy when you use the Account. Contact us or visit CreditOne.com if you would like 
     a copy.  
      
     Information About You: You authorize us to obtain and/or use information about you from third parties and credit reporting agencies to: (1) verify 
     your identity and/or conduct investigative inquiries; (2) determine your income and credit eligibility; (3) review your Account and provide renewal of 
     credit; (4) verify your current credit standing in order to present future credit limit increases or decreases; (5) qualify you for and present additional lines 
     of credit or other offers; and (6) collect amounts owing on your Account. Upon request, we will tell you the name and address of any credit reporting 
     agency that provided us with information concerning you.  
      
     Furnishing Information: We may furnish information concerning your Account or credit file to consumer reporting agencies and others who may 
     properly receive that information. If you believe that information we furnished is inaccurate or incomplete, please write us at Credit One Bank, P. O. 
     Box 98873, Las Vegas, NV 89193-8873. Please include your name, address, home phone number and Account number.  
      
     Telephone Calls, Text Messages and Emails Regarding Your Account: You are providing express written permission and consent authorizing 
     Credit One Bank and our agents, servicers, contractors, subsidiaries, affiliates, officers, and other partners and employees to contact you at any phone 
     number (including mobile, cellular/wireless, or similar devices) or email address you provide at any time, for any lawful purpose. The ways in which we 
     may contact you include live operator, automatic telephone dialing systems (auto-dialer), prerecorded and artificial voice message, text/SMS message 
     or email. Phone numbers and email addresses you provide include those you give to us, those from which you, or someone acting on your behalf, 
     contact us or which we obtain through other means. If you provide a phone number for which you are not the owner, you confirm you are authorized 
     to provide that number. Such lawful purposes include, but are not limited to: obtaining information; activation of the card for verification and identification 
     purposes; account transactions or servicing related matters; suspected fraud or identity theft; collection on the Account; and providing information 
     about special products and services. You agree to pay any fee(s) or charge(s) that you may incur for incoming communications from us or outgoing 
     communications to us, to or from any such number or email address, without reimbursement from us.  
      
     Communication Revocation: You may revoke your authorization for most communications. However, you cannot revoke authorization for fraud 
     related communications or legally required communications. To change your communication preferences or to revoke consent you must write us. 
     Please: 
        ?  include your name, mailing address, and the last four digits of your Account number;  
        ?  specify whether you are changing your preferences regarding mail, telephone calls, emails, and/or text or SMS messages;  
        ?  provide the specific phone number(s) and/or email address for which you are requesting communications to cease;  
        ?  send this written notice to: Credit One Bank, P.O. Box 98873, Las Vegas, NV 89193-8873.  
      
     Certain communication preferences can be changed on-line. Please log in to your Account to see if that option is available. 
      
     Telephone Monitoring: You agree that we (and our servicers, agents and contractors) may monitor and record any calls between you and us.  
      
     Updating Your Phone Number: Notify us immediately if you change mobile or cell phone numbers or plan to give your phone to someone else. It is 
     your responsibility to provide us with a true, accurate and complete mobile number and to maintain and update promptly any changes in this information. 
     You can update your mobile number by calling us at the phone number on the back of your Card.  
                                           5 
      
     Indemnification: If you provide telephone number(s) for which you are not the subscriber, or fail to notify us when you cease to be the subscriber for 
     a telephone number you previously gave us, you agree to indemnify us, our subsidiaries, affiliates, officers, agents, servicers, contractors, and other 
     partners and employees for any costs and expenses, including reasonable attorneys� fees, incurred as a result of us contacting or attempting to contact 
     you at the number(s). Your obligation under this paragraph shall survive termination of the Agreement.  
      
     Account Closure  
      
     Default: You are in default under this Agreement if (1) bankruptcy or another insolvency proceeding is filed by or against you; (2) we reasonably 
     believe you are unable or unwilling to repay us; (3) you die or are legally incompetent or incapacitated; (4) you fail to comply with the terms of this 
     Agreement, including failing to make a required payment when due, exceeding your credit limit or using your Card or Account for an illegal transaction; 
     (5) you give us misleading, false, incomplete or incorrect information or fail to give us any information we deem necessary; or (6) if you no longer 
     permanently reside in one of the 50 states or the District of Columbia. If you are in default, we may declare the entire Account balance immediately 
     due and payable without advance notice.  
      
     Collection Costs: If we use an attorney to collect your Account, we may charge you our legal costs as permitted by law. These include reasonable 
     attorneys� fees, court or other collection costs, and fees and costs of any appeal.  
      
     Closing Your Account: You may close your Account at any time. You will remain responsible for any amount you owe us under this Agreement. Any 
     joint Cardholder may cancel a joint Account. However, both of you will remain responsible for paying all amounts owed. If your Account is subject to 
     an Annual Fee, the fee will continue to be charged until you pay your outstanding balance in full.  
     We may cancel, suspend or not renew your Card, Account, or access to the credit line at any time and for any reason without notice. If your Account 
     is closed by us, the Annual Fee will continue to be charged until you pay your outstanding balance in full.  
     However, when your Account is closed, if there is: (1) a debit balance of $1 or less, that balance will be rounded to zero and you will not be required 
     to pay this amount; or (2) a credit balance of $1 or less, that balance will be rounded to zero and this amount will not be refunded to you. The rounding 
     to zero may occur after your closing statement cycles, and you may not receive a statement reflecting the rounding. 
      
     Arbitration Agreement  
      
                      PLEASE READ CAREFULLY�IMPORTANT�AFFECTS YOUR LEGAL RIGHTS 
      
     This agreement to arbitrate provides that you or we can require controversies or disputes between us to be resolved by BINDING ARBITRATION. You 
     have the right to REJECT this agreement to arbitrate by using the procedure explained below.  
      
     If you do not reject this agreement to arbitrate, you GIVE UP YOUR RIGHT TO GO TO COURT and controversies or disputes between us will be 
     resolved by a NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, using rules that are simpler and more limited than in a co urt. Arbitrator 
     decisions are subject to VERY LIMITED REVIEW BY A COURT. Arbitration will proceed INDIVIDUALLY� CLASS ACTIONS AND SIMILAR 
     PROCEDURES WILL NOT BE AVAILABLE TO YOU.  
      
     Agreement to Arbitrate: You and we agree that either you or we may, without the other�s consent, require that controversies or disputes between 
     you and us (all of which are called �Claims�), be submitted to mandatory, binding arbitration. This agreement to arbitrate is made pursuant to a 
     transaction involving interstate commerce, and shall be governed by, and enforceable under, the Federal Arbitration Act (the �FAA�), 9 U.S.C. �1 et 
     seq., and (to the extent State law is applicable), the laws of the State of Nevada.  
     For purposes of this agreement to arbitrate, �you� includes you, any co-applicant, any Authorized User (including Additional Cardholders), or anyone 
     else connected with you or claiming through you; and �we� or �us� includes Credit One Bank, N.A., all of its parents, subsidiaries, affiliates, successors, 
     predecessors, employees, and related persons or entities, and all third parties who are regarded as agents or representatives of us in connection with 
     the subject matter of the claim or dispute at issue.  
      
     Covered Claims: Claims subject to arbitration include, but are not limited to, any controversies or disputes arising from or relating in any way to your 
     Account; any transactions involving your Account; any disclosures made to you concerning your Account; any interest, charges, or fees assessed on 
     your Account; any service(s) or programs related to your Account; and, if permitted by the rules of the arbitration forum, any collection of debt related 
     to your Account. Claims also include controversies or disputes arising from or relating in any way to advertising, solicitations, or any application for, 
     approval of, or establishment of your Account. Claims subject to arbitration include any controversies or disputes based on any theory of law, whether 
     contract, tort, statute, regulation, common law, or equity, or whether they seek legal or equitable remedies. All Claims are subject to arbitration whether 
     they arose in the past, may currently exist, or may arise in the future. Arbitration will apply even if your Account is closed, you pay us in full any 
     outstanding debt you owe, or you file for bankruptcy. Also, controversies or disputes about the validity, enforceability, coverage, meaning, or scope of 
     this agreement to arbitrate or any part thereof are subject to arbitration and are for the arbitrator to decide. Any questions about what Claims are 
     subject to arbitration shall be resolved by interpreting this agreement to arbitrate in the broadest way the law will allow it to be enforced.  
                                           6 
      
     Claims Not Covered: Claims (whether brought initially or by counter or cross-claim) are not subject to arbitration if they are filed by you or us in a 
     small claims court, so long as the case remains in such court and only individual claims for relief are advanced in the case.  
      
     No Class Arbitration or Consolidation or Joinder of Parties: Class actions and other similar procedures in which individuals seek to represent 
     similarly situated individuals or seek relief on behalf of the general public, and consolidation or joinder of Claims (except for claimants on the same 
     account), are NOT available under this agreement to arbitrate. Claims in arbitration will proceed on an INDIVIDUAL basis only:  
      
           UNLESS YOU REJECT THIS AGREEMENT TO ARBITRATE, YOU AND WE WAIVE THE RIGHT TO ASSERT OR PARTICIPATE 
           IN A CLASS ACTION OR ANY REPRESENTATIVE OR CONSOLIDATED PROCEEDING IN COURT OR IN ARBITRATION.  
      
     The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative 
     basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account). 
     This also means that the arbitrator shall have no authority to make any award for the benefit of, or against, any person other than the individual who is 
     the named party. �  
      
     � Notice to California Account Holders: This agreement to arbitrate shall not be construed to prevent you from seeking in the arbitration the remedy 
     of public injunctive relief if (a) you reside in California, (b) you resided in California at the time you entered into this agreement to arbitrate, or (iii) the 
     billing address for your Account is a California address (hereafter, �California Account Holder�).  
      
     Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (�AAA�) before a single arbitrator under the 
     AAA�s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. 
     Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org. The arbitrator shall be selected from the AAA (or 
     mutually agreeable administrator) panel of neutrals then active on the roster maintained by the AAA (or mutually agreeable administrator) office located 
     in the city of or nearest to your billing address and, unless otherwise mutually agreed, the arbitrator shall be a retired federal judge, a retired state 
     appellate judge, a retired state trial judge, or a lawyer with at least 15 years of experience in that order of preference.  
     In the event that the AAA or mutually agreeable administrator is unable or unwilling to handle the Claim for any reason, then the matter shall be 
     arbitrated instead by a neutral arbitrator selected by agreement of the parties (or, if the parties cannot agree, selected by a court in accordance with 
     the FAA).  
      
     Arbitration Procedures and Applicable Law; Offer of Settlement: Unlike a lawsuit in state or federal court, arbitration is conducted by a private 
     organization that specializes in alternative dispute resolution. Disputes in arbitration are decided by a neutral arbitrator instead of a judge or jury. You 
     may represent yourself in arbitration, or you may be represented by a lawyer.  
      
     Under this agreement to arbitrate, a single arbitrator designated by the arbitration administrator will decide the Claim under applicable law. The arbitrator 
     is bound by the terms of this agreement to arbitrate. The AAA or mutually agreeable administrator will apply its code of procedures in effect at the time 
     the arbitration claim is filed. If there is a conflict between that code of procedures and this arbitration provision and/or any sections of this Card 
     Agreement, this arbitration provision and/or this Card Agreement will control. The arbitrator will honor all claims of privilege recognized by law. Subject 
     to the prohibition on class, representative, and consolidation procedures set forth above, the arbitrator will have the power to award to a party any 
     damages or other relief (including relief in equity) provided for under applicable law. That is, a party will be entitled to recover in arbitration any damages 
     or other relief that it could recover if it prevailed in a court proceeding. An arbitrator�s award shall consist of a written statement setting forth the 
     disposition of each Claim. At the request of any party, the arbitrator shall also set forth a written explanation of the essential findings and conclusions 
     on which the award is based. An arbitration award shall decide the rights and obligations only of the parties named in the arbitration, and shall not 
     have any bearing on another person or dispute.  
     If your Claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, in a telephonic hearing, 
     or in an in-person hearing.  
      
     Any in-person hearing will take place in the federal judicial district that includes your billing address at the time the Claim is filed, unless the parties 
     agree to a different place.  
      
     The Arbitrator�s Decision: The arbitrator�s decision will be final and binding on the parties. A party can file a written appeal to the arbitration 
     administrator within thirty (30) days after an award is issued. The appeal will proceed before a panel of three neutral arbitrators designated by the 
     same arbitration administrator. The panel will decide anew all factual and legal issues, following the same rules of procedure, by majority vote any 
     aspect of the original decision objected to. The costs of such an appeal will be borne in accordance with the below paragraph entitled �Fees and Costs�. 
     Any review by a court shall be governed by the Federal Arbitration Act. Any final arbitration award will be binding on the named parties and enforceable 
     by any court having jurisdiction.  
      
     Fees and Costs: We will pay any costs that are required to be paid by us under the arbitration administrator�s rules of procedure. If you file the 
     arbitration, you will pay your share of the initial filing fee, unless you seek and qualify for a fee waiver under the applicable rules of the arbitration 
                                           7 
      
     administrator. The party filing an appeal shall be responsible for all filing fees and costs of the appeal unless prohibited by administrator�s rules of 
     procedure. All parties are responsible for their own attorney�s fees, expert fees and any other expenses, unless the arbitrator awards such fees or 
     expenses to you or us if allowed by applicable law.  
      
     Other Parties Subject to this Agreement to Arbitrate: In addition to you and us, the rights and duties described in this agreement to arbitrate apply 
     to: any third party co-defendant of a claim subject to this arbitration provision; all joint account holders, Additional Cardholders, and Authorized Users 
     of your Account(s).  
      
     How to REJECT this Agreement to Arbitrate: You can reject this agreement to arbitrate but only if we receive from you a written notice of rejection 
     within 45 days after it was first provided to you. To reject this agreement to arbitrate you must send the notice of rejection to: Credit One Bank, Attention: 
     Arbitration Opt Out, P. O. Box 98873, Las Vegas, NV 89193-8873. Rejection notices sent to any other address will not be accepted or effective. If you 
     decide to reject this agreement to arbitrate in writing, your notice must state that you reject this agreement to arbitrate and include your name, address, 
     account number, and personal signature. Rejection of arbitration will not affect your other rights or responsibilities under this Card Agreement.  
      
     Survival, Severability, and Amendment of Terms: 
     Survival. This agreement to arbitrate shall survive changes in the Agreement and termination of the Account or the relationship between you and us, 
     including the bankruptcy of any party and any transfer or sale of your Account, or amounts owed on your Account, to another person or entity. 
     Severability. If any part or parts of your agreement to arbitrate are declared unenforceable, then such specific part or parts shall be of no force or effect 
     and shall be severed, but the remainder of this agreement to arbitrate shall continue in full force and effect. If, however, the entire agreement to arbitrate 
     or your waiver of the right to bring or participate in a class or representative action or in consolidation procedures is unenforceable, then the agreement 
     to arbitrate shall be of no force or effect. Notwithstanding the preceding sentence, with respect to California Account Holders, if arbitration is 
     unenforceable, in whole or in part, you and we agree to resolve any Claim by a judicial reference proceeding as described above.  
     Amendment in Writing Only. This agreement to arbitrate may not be amended, severed, or waived, except as expressly provided in the Agreement or 
     in a written agreement between you and us. 
      
     Other Information  
      
     Transactions in Foreign Currencies: If you make a transaction at a merchant that settles in a currency other than U.S. dollars, American Express 
     will convert that charge into a U.S. Dollar amount. That conversion will be done at a rate selected by American Express from the range of rates available 
     in wholesale currency markets for the applicable central processing date, which rate may vary from the rate American Express itself receives, or the 
     government-mandated rate in effect for the applicable central processing date. The currency conversion rate used on the processing date may differ 
     from the rate that would have been used on the purchase date or on the date the transaction is posted to your Account. You agree to pay the converted 
     amount, including any charges for the conversion that may be imposed as described above.  
      
     Changes to Your Agreement: The rates, fees and terms of this Agreement may change and we may add or delete any term to this Agreement, 
     consistent with applicable law. We will give you advance written notice of these changes and a right to reject the change, if required by law.  
      
     Unauthorized Use: Notify us immediately if your Card is lost or stolen or you suspect that someone is using your Card or Account without your 
     permission.  
      
     Assignment: We may assign any or all of our rights and obligations under this Agreement. You may not assign any of your rights or obligations under 
     this Agreement.  
     No Waiver: We will not lose our rights under this Agreement because we delay or do not enforce them.  
      
     Governing Law: This Agreement is governed by and interpreted in accordance with the laws applicable to national banks, and, where no such laws 
     apply, by the laws of the State of Nevada, excluding the conflicts of law provisions thereof, regardless of your state of residence.  
      
     Conformance with Law; Severability: If any part of this Agreement conflicts with applicable law, that provision will be considered modified to conform 
     to applicable law. If any part of this Agreement is invalid, the rest shall remain in effect, except as otherwise noted in the Arbitration Provision. 
      
       
                                           8 
      
     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 the Billing Inquiries address on the statement.  
      
     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 $50.00 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 $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own 
        or operate 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 the Billing Inquiries address shown on your 
     statement.  
                                           9 
      
     While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you of our decision. 
     At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 
      
     Cash Back Rewards Program Supplement  
      
     This Supplement describes the terms and conditions of the Credit One Cash Back Rewards Program (�Program�) and supplements the Card Agreement 
     that governs your credit card account issued by Credit One Bank, N.A. (the �Account�). By using the Account, you agree to participate in the Program. 
     Your participation is subject to the terms of the Card Agreement, including the arbitration provision, if applicable, and this Supplement. In the event of 
     a conflict between the Card Agreement and this Supplement, with respect to matters relating to the Program, this Supplement controls.  
      
     Earning Cash Back Rewards: You earn cash back rewards in the form of an automatic statement credit equal to 1% of all Net Purchases made with 
     your Account. You do not earn cash back rewards on Cash Advances, Balance Transfers, interest, fees, and other charges. We will post a statement 
     credit to your Account within seven days after the end of the month based on the Net Purchases made with your Account from the 27th of the previous 
     month to the 26th of the current month. If your Account is in default, as defined in your Card Agreement, at the time the credit is to be posted, you 
     WILL NOT receive the credit. Cash back rewards have no cash value.  
      
     Net Purchases: Net Purchases are Purchases minus any returns, disputed charges, unauthorized charges, illegal or fraudulent charges or other 
     credits for such Purchases.  
      
     Program Restrictions: You will receive an automatic cash back rewards credit on each statement that has at least one Net Purchase. Automatic 
     statement credits for cash back rewards will reduce the balance on your Account but will not count as payments. You will still be required to pay at 
     least the Minimum Payment Due as shown on your billing statement each month. You WILL NOT earn cash back rewards for Purchases made while 
     your Account is in default as defined within your Card Agreement. This Program excludes Accounts already enrolled in a different Credit One cash 
     back rewards program.  
      
     Changes: The Program may be changed (added to, modified or deleted) by us at any time. We will give you prior notice to the extent required by law. 
     The current version of this Program may be found at www.CreditOneBank.com along with the Card Agreement. Any revisions may affect your ability 
     to earn cash back rewards.  
      
     Termination: We may suspend or terminate the Program or your participation in the Program at any time without prior notice. In such event, we will 
     evaluate your Account for any eligible cash back rewards as of the Program termination date. Provided that you meet all of the other Program 
     Restrictions listed above at that time, you will receive a distribution of the cash back rewards earned during the current billing period in the form of a 
     statement credit.  
      
     Limited Liability: Unless otherwise required by law, this Program, or our Card Agreement with you, we will not be liable to you or anyone making a 
     claim on your behalf, in connection with: (1) any change or termination of the Program; (2) any loss, damage, expense or inconvenience caused by 
     any occurrence outside of our control; (3) any taxes that you incur as a result of receiving cash back rewards, payment of which taxes will be your 
     responsibility; (4) any merchandise or services you purchase, or for any direct, indirect or consequential damages with respect to the use of your 
     Account. In any event, any liability that Credit One may have to you in connection with the Program shall be limited to the amount of any cash back 
     rewards you have earned in this Program. The Program and cash back rewards are void or limited where prohibited or restricted, respectively, by 
     federal, state or local law. 
      
      
      
      
      
      
      
      
      
      
      
      
     American Express is a federally registered service mark of American Express. This credit card program is issued and administered by Credit One 
     Bank, N.A., pursuant to a license from American Express. 
      
      
      
     � 2020 Credit One Bank, N.A. All rights reserved. 
     Credit One�, Credit One Bank�, and corresponding logos are federally registered trademarks.  C50-01519 06/20        D252 
                                          10 
      
      Back to Top