IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT 

To help the government fight the funding of terrorism and money laundering activities, Federal law 
requires all financial institutions to obtain, verify and record information that identifies each person who 
opens a new account. What this means for you: When you open an account, we will ask for your name, 
address, date of birth, and other information that will allow us to identify you. We may also ask to see your 
driver’s license or other identifying documents. 

CREDIT CARD AGREEMENT 

INTEREST RATES AND INTEREST CHARGES 

Annual Percentage Rate (APR) for 
Purchases 

22.8% 

How to Avoid Paying Interest  

Minimum Interest Charge  

For Credit Card Tips from the 
Federal Reserve Board 

Your due date is at least 23 days after the close of each 
Billing Cycle. We will not charge you interest on purchases if 
you pay your entire balance by the Payment Due Date each 
month. 

If you are charged interest, the charge will be no less than 
$1. 

To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Federal Reserve 
Board at http://www.federalreserve.gov/creditcard. 

FEES 

Annual Fee 
Penalty Fees 

None 

  Late Payment Fee 

Up to $15 if your New Balance is less than $100; 
Up to $35 if your New Balance is $100 or more 

  Returned Payment Fee 

Up to $35 

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new 
purchases).”  

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is 
provided in your Credit Card Agreement below. 

We may change APR, Fees, and other terms at any time and for any reason in accordance with 
this Credit Card Agreement and applicable law. 

The information about costs of the card described in  this application  is accurate as of October 1, 2010. 
This information may have changed after that date. To find out what may have changed, please write us 
at: Credit First National Association, BK-11/Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-
0315. 

READ BEFORE YOU  SIGN THE APPLICATION OR ELECTRONIC  SIGNATURE CAPTURE DEVICE, 
OR SUBMIT YOUR ELECTRONIC CONSENT 

10/2010 

 
 
 
 
 
 
 
 
 
 
 
 
This  is  your  Consumer  Credit  Card  Agreement  (“Agreement”)  with  Credit  First  National  Association,  a 
national  banking  association  located  at  6275  Eastland  Road,  Brook  Park,  Ohio  44142  (“CFNA”).    This 
Agreement  governs  the  use  of  your  credit  card  account  with  us  (“Account”)  and  includes  the  following 
“Related Documents”: 

  Application  -  The  application  or  solicitation  you  signed  or  otherwise  submitted  to  request  the 

Account;  

  Card Carrier - The card carrier we send with the credit card or cards we issue to you; 
  Promotional  Credit  Plan  Terms  -  Any  special  terms  we  provide  to  you  if  you  make  a  purchase 

under a special promotional plan; and 

  Debt Cancellation - The terms and conditions of any debt cancellation product that you purchase 

in connection with your Account. 

The Related Documents are incorporated by reference into this Agreement.  Your handwritten, electronic 
or digital signature on any document you sign in connection with the use of your card or Account is part of 
this Agreement.  These documents include, but are not limited to, your card, Application or any accepted 
sales slip.  Participating merchants that may honor your card are not a party to this Agreement.  Please 
read this Agreement and keep it for your records.   

AUTHORIZATION 

By  signing  the  application,  signature  capture  device  or  through  your  electronic  consent,  you  certify  to 
each of the following statements:  You have read and agree to the terms and conditions set forth in this 
document. You are applying to Credit First National Association (CFNA) for a credit card with a credit limit 
up  to  the  amount  for  which  you  qualify.    The  application  information  you  provided  is  true,  correct  and 
complete,  and  CFNA  may  rely  on  it.    You  authorize  CFNA  to  obtain  credit  reports  about  you  from 
consumer  reporting  agencies  in  considering  this  application  and  subsequently  for  the  purpose  of  any 
update,  review,  renewal  or  extension  of  credit,  or  reviewing  or  collecting  the  Account.    You  understand 
and agree that by providing CFNA with a wireless telephone number, you consent to receiving autodialed 
and prerecorded message calls from CFNA or its servicers, its assignees, or its third party debt collectors 
at  this  number.    You  understand  that  if  CFNA  approves  your  application,  CFNA  will  issue  a  card  and 
extend  credit  to  you  from  its  offices  in  Ohio.  You  agree  to  be  bound  by  the  terms  set  forth  in  the 
Agreement.  You  also  understand  that  the  Agreement  includes  an  Arbitration  Section  that  allows 
you  or  CFNA  to  resolve  by  arbitration  claims  arising  from  or  related  to  the  Agreement  and  your 
Account through the  American  Arbitration  Association.  The  Arbitration Section will prevent you 
and CFNA from having claims resolved by a judge or jury and prevent you from participating as a 
representative or member of any class of claimants for claims subject to arbitration.  Other rights 
available in court may also not be available in arbitration.  You can reject the Arbitration Section 
within 30 days after CFNA opens your Account as explained in the Agreement. 

By submitting your application, you acknowledge that you have read, understood and received a copy of 
this document and if approved for credit by CFNA, agree to be bound by the terms set forth in this 
document.   

1. DEFINITIONS.  

  You and your - each person who requested an Account approved by CFNA. 
  We, us and our - CFNA or any person or entity to which CFNA sells or gives your Account.   
  Credit Card or Card - each credit card we issue to you or a person any of you authorizes to use 

the Account. 

  Authorized User - a person any of you authorizes to use the Account and to whom we may issue 

a Card. 

10/2010 

 
 
 
 
 
 
Other capitalized terms are defined in the Agreement.  Defined terms have the same meaning when used 
in your monthly billing statement (“Statement”).   

2. YOUR PROMISE TO US. You agree to the terms of this Agreement. You promise to do everything this 
Agreement  requires  of  you.  For  joint  Accounts,  each  of  you  promises  to  do  everything  this  Agreement 
requires.  You  specifically  promise  to  pay  all  amounts  owed  because  of  transactions  made  on  your 
Account by any of you and any Authorized User. You will be bound by this Agreement when you submit 
an Application that is approved by us, sign a sales slip using the Card, or use or permit someone else to 
use  credit  provided  through  the  Card  or  Account.  You  will  use  the  Card  only  for  personal,  family,  or 
household purposes, and not for business, commercial, or agricultural purposes.  You agree that at any 
time for any reason we may reissue a Card to you and/or may ask you to return any or all Cards. 

3. CREDIT LIMIT. The Credit Limit of your Account is the total maximum amount we allow you to owe us 
at any time.  If you exceed any credit limit that we have set for your Account, we can still charge you for 
all  transactions,  Interest  Charges  and  other  charges  (“Finance  Charges”)  without  giving  up  any  of  our 
rights under this Agreement.  We may increase or decrease your Credit Limit at any time at our option.  
The  reasons  for  changes  may  include,  for  example,  your  credit  history  with  us,  your  default  under  this 
Agreement  (see  Section  13  below),  fraud  prevention  or  changes  to  this  credit  card  program  or  CFNA 
policy.  

4.  MONTHLY  STATEMENTS;  BILLING  CYCLES.    We  will  send  you  a  Statement  at  the  end  of  each 
Billing Cycle in which (a) your Account has a balance of $1 or more, (b) an Interest Charge is imposed or 
(c) applicable law requires us to send a Statement. We send only one Statement for your Account each 
month.  Each  Statement  will  show,  among  other  things,  the  date  on  which  the  most  recent  Billing  Cycle 
ended  (the  “Statement  Closing  Date”  of  the  Billing  Cycle),  Previous  Balance,  Payments  and  Credits, 
Transactions, Interest Charges, other Fees and Charges, Payment Due Date, New Balance and Minimum 
Payment Due. A Billing Cycle means the days between Statement Closing Dates.  

5. YOUR ADDRESS.  We will consider your current address and state of residence to be the same as the 
billing address we maintain in our records. You agree to notify us of any change in your name, residence, 
or billing address by writing to us at the address shown on your Statement. Any notices required by law 
shall be deemed received if mailed to your current address.  

6. PAYMENTS; MINIMUM PAYMENT. You may pay all of your Account balance at any time without 
penalty. You must pay us at least the Minimum Payment Due for each Billing Cycle by the Payment Due 
Date shown on your Statement. The Minimum Payment Due for each Billing Cycle will be the greater of 
(a) 4% of the New Balance (rounded up to the nearest whole dollar) plus all past due amounts and any 
Late  Payment  Fee,  Returned Payment  Fee,  or unpaid  ACH Service  Fee  incurred  during  the  previous 
Billing Cycle; or (b) $19 (or any amount less than $19 needed to pay  your Account balance in full). The 
New Balance used to determine your Minimum Payment Due includes Regular Credit Plan transactions 
and Promotional Credit Plan balances (see Section 9 below for a description of Credit Plans).  

7.  SKIP-PAYMENT  OPTION.  At  our  sole  option,  we  may  allow  you  to  skip  payment  of  the  Minimum 
Payment Due for a certain Billing Cycle. During any Skip-Payment period, Interest Charges will continue 
to accumulate on the unpaid balance of your Account, but no Late Payment Fee will be assessed. At the 
end of any Skip-Payment period, the Minimum Payment terms of this Agreement that would have applied 
were  it  not  for  the  Skip-Payment  feature,  will  automatically  resume.  Taking  advantage  of  the  Skip-
Payment option will not extend the Delay Period for special Promotional Credit Plans. 

8. METHODS OF PAYMENT. Payments received at CFNA by 5:00 p.m. Eastern Time on a business day 
are credited to your Account as of that day. You may pay your Account by mail, by telephone or on-line.  
If paying by mail, send your personal check or money order, payable in U.S. dollars, to Credit First N.A. at 
the payment address shown on your Statement. Include  your payment stub and do not send cash. You 
agree not to send us any check marked "payment in full" or with similar terms or other conditions. If you 
do,  the  check  must  be  sent  to  our  Dispute  Resolution  Department  at  a  separate  address  for  Inquiries 

10/2010 

 
 
 
specified  on  your Statement. We can accept such checks or late or partial  payments without losing our 
right  to  receive  the  full  amount  owing  on  your  Account.    If  paying  by  telephone,  utilize  our  automated 
payment  system  at  800-321-3950.    If  paying  on-line,  log  on  to  www.CFNA.com.    Follow  all  of  the 
instructions for making  a payment specified on  your  Statement.  Any payment that does not conform to 
these requirements may not be credited to your Account for up to five days, or may be rejected. 

9. CREDIT PLANS.  

A.  Regular  Credit  Plan. You may use  your Account for transactions that may or may not be subject to 
Promotional Credit Plan terms. Any balance of transactions not subject to Promotional Credit Plan terms 
will be part of your Regular Credit Plan and treated as your “Revolving Balance.”  

B.  Promotional  Credit  Plans.  At  our  option,  we  may  offer  Promotional  Credit  Plans.  Any  Promotional 
Credit Plan may apply for a limited period of time. Our rights and your responsibilities will change if you 
make  a  qualifying  purchase  under  a  Promotional  Credit  Plan.  If  you  participate,  the  applicable 
Promotional Credit Plan terms will be given to you in a separate document. Promotional Credit Plan terms 
temporarily  modify  certain  terms  of  this  Agreement  for  qualifying  purchases,  and  all  other  terms  of  this 
Agreement  remain  unchanged.  Any  temporary  modification  of  Agreement  terms  for  Promotional  Credit 
Plans will not limit or affect any other rights we have under this Agreement or applicable law. 

10.  APPLICATION OF  PAYMENTS. We apply payments first to previously billed Interest Charges; then 
to your purchases. The application of payments may be amended by Promotional Credit Terms. Except 
as  otherwise  prohibited,  we  will  apply  payments  equal  to  or  less  than  the  required  Minimum  Payment 
amount and any credits to balances on your Account in a way that is deemed appropriate by us. We will 
also follow the requirements of applicable law when allocating your payments.    

11.  INTEREST  CHARGES. We will calculate periodic Interest Charges on your Account for each Billing 
Cycle  by  multiplying  a  monthly  periodic  rate  (“Periodic  Interest  Rate”)  by  the  Average  Daily  Balance 
(including new transactions) on your Account. A Periodic Interest Rate is one-twelfth of its corresponding 
Annual  Percentage  Rate  (“APR”).  We  will  charge  you  a  minimum  Interest  Charge  of  $1  for  any  Billing 
Cycle in which an Interest Charge of less than $1 would otherwise be imposed.   

A.    Periodic  Interest  Rate;  Interest  Rate.  The  Periodic  Interest  Rate  that  applies  to  your  Revolving 
Balance is 1.9% (corresponding APR 22.8%) (“Interest Rate”). 

B.  How  We  Calculate  Average  Daily  Balance  Subject  to  Periodic  Interest  Charges.    To  get  the 
Average  Daily  Balance  for  your  Revolving  Balance,  we  first  must  determine  the  daily  balance  for  your 
Revolving  Balance.  To  get  the  daily  balance,  we  take  the  beginning  Revolving  Balance  of  your  Account 
each day. Then we subtract any payments or credits applied to your Revolving Balance, and any unpaid 
Interest Charges. We add to that amount any new Regular Credit Plan transactions, Late Payment Fees, 
credit insurance, debt cancellation charges and other Account fees and administrative charges.  We then 
add  up  all  the  daily  balances  and  divide  by  the  number  of  days  in  the  Billing  Cycle.  This  gives  us  the 
Average Daily Balance for your Revolving Balance. We do not charge Interest Charges on unpaid Interest 
Charges, that is, we do not compound Interest Charges. 

C.  When Interest Charges Begin to Accumulate. Interest Charges accumulate on each purchase from 
the later of (a) the date of the transaction or (b) the first day of the Billing Cycle in which the transaction 
posts to your Account. However, we do not assess Interest Charges in the following circumstances: 

1.    If  you  paid  the  New  Balance  at  the  beginning  of  your  previous  Billing  Cycle  by  the  Payment 
Due Date during that previous Billing Cycle (or if that New Balance was $0 or a credit balance), 
then: 

10/2010 

 
if you pay the New Balance on your current Monthly Statement in full by the Payment Due 
• 
Date in your current Billing Cycle, we will not impose Interest Charges on Purchases during your 
current Billing Cycle, and  

if  you  make  a  payment  that  is  less  than  the  New  Balance  by  the  Payment  Due  Date  in 
• 
your current Billing Cycle, we will credit that payment as of the first day in your current Billing Cycle.

2.  If you had a New Balance at the beginning of your previous Billing Cycle and you did not pay 
that  New  Balance  by  the  Payment  Due  Date  during  that  previous  Billing  Cycle,  then  we  will  not 
charge  Interest  Charges  on  any  Purchases  during  the  current  Billing  Cycle  if  you  pay  the  New 
Balance  at  the  beginning  of  your  current  Billing  Cycle  by  the  Payment  Due  Date  in  your  current 
Billing Cycle. 

12.  FEES. 

A. Late Payment Fee. If we do not receive at least the Minimum Payment Due by 5:00 p.m. Eastern Time 
on your Payment Due Date we may add to your Account a Late Payment Fee of $15 if your New Balance 
is less than $100, $25 if your New Balance is $100 or more, and $35 if your New Balance is $100 or more 
and you did not make at least the Minimum Payment by the Payment Due Date in each of the  six prior 
Billing Cycles. However, the Late Payment Fee will never exceed the amount of your required Minimum 
Payment to which the Late Payment Fee relates.   Any Late Payment Fee assessed will be added to the 
Revolving Balance on your Account. 

B.  Returned  Payment  Fee.  If  your  payment  check,  ACH,  electronic  debit  or  other  instrument  is 
dishonored by your bank or must be returned for any reason, we will add a Returned Payment Fee of $25, 
or $35 if you had a returned payment in any of the 6 prior Billing Cycles, to the Revolving Balance of your 
Account.    However,  the  Returned  Payment  Fee  will  never  exceed  the  amount  of  your  most  recent 
required Minimum Payment. 

C. ACH  Service  Fee.  Each time  you ask a customer service representative to  assist  you in making  an 
expedited  automated  payment  from  your  bank  account  (i.e.  an  automated  clearinghouse  or  "ACH" 
transaction), when permissible, we may add a service fee to the Revolving Balance of your Account.  The 
amount of the fee will be disclosed at the time you request the service.   

13. DEFAULT. Your Account will be in default if you fail to do something that this Agreement requires of 
you,  subject  to  any  restrictions  under  applicable  law.    If  that  happens,  we  may  tell  you  to  pay  us 
immediately everything you owe under the Account and applicable law. We will tell you in advance and/or 
give you an opportunity to cure your default only if applicable law requires us to do so.  

14. LOST OR STOLEN CARD OR IDENTITY THEFT. If you notice the loss or theft of your credit card or 
a  possible  unauthorized  use  of  your  card  (including  suspected  identity  theft),  you  should  write  to  us 
immediately at CFNA, BK-11/Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315 or call us 
at 800-321-3950.  You will not be liable for any unauthorized use that occurs after you notify us.  You may, 
however, be liable for unauthorized use that occurs before your notice to us.  In any case, your liability will 
not exceed $50. 

15. HOW TO CANCEL YOUR ACCOUNT. You (either of you if more than one) may cancel your Account 
at any time. Cut each Card in half and send us the pieces with a letter telling us you want to cancel your 
Account. This includes each Card you gave to others. Send us the letter and Card pieces at the address 
shown on your Statement. You still must pay the full amount you owe us. 

16. WE HAVE THE RIGHT TO CANCEL YOUR ACCOUNT. We may cancel your Account and Cards at 
any time for any reason. Any Card issued for your Account must be cut in half and the pieces sent to us if 

10/2010 

 
 
 
 
 
 
we ask. This includes each Card you gave to others. You cannot use a Card after we ask you to return it. 
You still must pay  the full  amount  you  owe us, and this Agreement will continue to apply to  any unpaid 
balance. 

17.  CREDIT  AUTHORIZATIONS. We will authorize all Account purchases in advance. A merchant may 
ask  you  to  provide  identification.  We  may  not  be  able  to  authorize  a  transaction,  even  if  you  have 
sufficient available credit, for example if our authorization system is not working or if we suspect possible 
fraud. We  will  not  be  liable  to  you  if  this  occurs. We may  not  authorize  a  transaction  if  your  Account  is 
over  your  Credit  Limit  or  delinquent;  if  we  authorize  such  a  transaction,  we  do  not  consider  it  to  be  an 
increase  in  your  Credit  Limit.  We  are  not  responsible  if  any  merchant  refuses  to  accept  or  honor  your 
Credit Card. 

18.  CREDIT  INVESTIGATION  AND  CREDIT  REPORTS.  You  hereby  authorize  us  to  investigate  your 
credit  record.  You  agree  that  a  credit  report  may  be  requested  in  connection  with  the  processing  of  an 
application for credit, and subsequently in connection with any extension of credit, or any consideration of 
an increase to your credit limit, or any renewal or update of your Account, or to take collection action on 
the Account, or to investigate disputes regarding the Account. You also authorize us to furnish information 
concerning the status and  payment history  of  your Account to credit  bureaus and other creditors. If  you 
believe  that  we  have  reported  inaccurate  information  about  you  to  a  credit  reporting  agency,  please 
contact us at CFNA,  BK-11/Customer Service, P.O.  Box 81315, Cleveland, Ohio  44181-0315. In doing 
so,  please  provide  your  Account  number,  name,  address,  phone  number,  any  other  supporting 
documentation  and  specify  the  inaccurate  information  and  tell  us  why  you  believe  it  is  incorrect.  If  you 
have a copy of the credit report that includes the inaccurate information, please send a copy of that report 
to us as well.  

19.  PHONE  CALLS.  You  authorize  us,  or  our  servicers,  assignees,  or  third  party  debt  collectors  to 
contact you by telephone about your Account. You agree that we may call you about your Account using 
an automatic dialing - announcing device and that these calls will not be "unsolicited" calls for purposes of 
state or federal law.  You understand and agree that by providing us with a wireless telephone number, 
you consent to receiving autodialed and prerecorded message calls from us or our servicers, assignees, 
or third party debt collector at that number. From time to time, we may monitor and/or record telephone 
calls between you and us to assure the quality of our customer service. You agree that monitoring and/or 
recording may be done and that no additional notice to you or additional approval from you is needed. 

20.  GOVERNING  LAW. This Agreement and  your Account are governed by federal  law applicable to a 
national  bank  and,  to  the  extent  not  preempted  by  federal  law,  the  laws  of  Ohio,  without  regard  to  its 
conflicts of law provisions. This is the law we mean when we refer in this Agreement to a term that may 
be permitted or required by applicable law. We have accepted this Agreement in Ohio. 

21.  RESPONSIBILITY  FOR  GOODS  AND  SERVICES.  We  are  not  responsible  for  the  goods  and 
services purchased with the Credit Card. You agree to settle all disputes arising from purchases directly 
with the merchant who honored the Credit Card and, except as required by applicable law, to pay us all 
amounts required by this Agreement despite such disputes.  You agree to notify us within 30 days after 
the occurrence of an event giving rise to a product or service dispute.   

22.  WAIVER. We may, at  our discretion from time to time without  notice,  waive any  of our rights under 
this Agreement in certain circumstances. We can waive our rights without affecting our other rights. If we 
waive any right, we do not waive the same right in other circumstances or at other times. 

23.  SEVERABILITY.  If any  provision of this Agreement is finally determined to be unenforceable under 
any law, rule, or regulation, all other provisions of this Agreement will still be valid and enforceable. 

24. ASSIGNMENT OF ACCOUNT. We may sell, assign or transfer your Account or any interest we hold 
in your Account without notice to you. You may not sell, assign or transfer your Account. 

10/2010 

 
 
 
 
 
 
 
 
 
25. CHANGE IN TERMS. We may change the terms of this Agreement at any time, and we may add or 
delete  terms  in  this  Agreement.    These  changes  may  include,  for  example,  Interest  Charge  rates,  fees 
and this Change in Terms provision.  We will give you notice of any change as required by applicable law. 
Any change  will apply  on  and  after its effective date  to new transactions and existing balances  on  your 
Account, except as limited by applicable law.   

26.  DEBT  CANCELLATION.  Your  purchase  of  any  debt  cancellation  product  that  we  offer  is  optional. 
Whether  or  not  you  purchase  this  product  does  not  affect  our  decisions  about  your  credit.    The  Debt 
Cancellation  Terms  of  any  debt  cancellation  product  that  we  offer  and  you  elect  to  purchase,  and  any 
other related disclosures, are provided separately from this Agreement. 

27. ARBITRATION.  For purposes of this Arbitration Section, the terms "we," "us" and "our" refer to Credit 
First  National  Association,  its  parents,  wholly  or  majority  owned  subsidiaries,  affiliates,  predecessors, 
successors, assigns, employees, officers and directors. If either you or we choose arbitration, neither you 
nor we will have the right to litigate that claim in court or to have a jury trial on that claim, or to engage in 
pre-arbitration  discovery,  except  as  provided  for  in  the  arbitration  rules  of  the  American  Arbitration 
Association (“AAA”). In addition, you will not have the right to participate as a representative or member of 
any class of claimants related to any claim subject to arbitration. The arbitrator's decision will generally be 
final  and  binding.  Other  rights  that  you  would  have  if  you  went  to  court  may  also  not  be  available  in 
arbitration. It is important that you read the entire arbitration provision carefully before accepting the terms 
of this Agreement.  

A "Claim" is any  pre-existing, present, or future claim, dispute, or controversy of any kind (including but 
not limited to constitutional, statutory, regulatory, common law, contract, tort and equitable claims) arising 
from or relating to (a) the credit offered or provided to you or requested by  you, (b) the actions of you, us 
or third parties, or (c) the validity or meaning of this arbitration provision and every other provision in this 
Agreement.   

You agree that either you or we can choose to have any Claim resolved by binding arbitration.  You and 
we acknowledge that each waives the right or opportunity to litigate a Claim in a court of law, and 
that each agrees to resolve any Claims arising out of this Agreement through binding arbitration. 
This Section does not apply to any of our regular Account collection efforts.  If this Section (or any part of 
it)  is  determined  invalid  or  illegal  under  any  applicable  statute  or  rule  of  law,  it  will  be  deemed  omitted 
without affecting any other provisions of this Agreement, which shall remain in full force and effect. 

There shall be no authority for any Claims to be arbitrated on  a class action basis.  An arbitration 
can only decide our or your Claim and may not consolidate or join the claims of other persons who may 
have similar claims.  

Any  arbitration  will  be  conducted  in  accordance  with  the  AAA’s  rules  applicable  to  consumer  disputes.  
For  additional  information  go  to:  http://www.adr.org/.      Any  arbitration  hearing  that  you  attend  will  take 
place in the federal judicial district where you reside. At your request, we will advance the first $250 of the 
filing and hearing fees for any Claim you may file against us; the arbitrator will decide whether we or you 
will  ultimately  pay  those  fees.  This  arbitration  agreement  is  made  pursuant  to  a  transaction  involving 
interstate commerce and shall be  governed by  the Federal Arbitration  Act, 9 U.S.C.  Sections 1-16. The 
arbitrator shall apply applicable substantive law consistent with the Federal Arbitration Act and applicable 
statutes  of  limitations,  and  shall  honor  claims  of  privilege  recognized  at  law.  This  arbitration  provision 
shall survive repayment of your extension of credit and termination of your Account.  

Judgment upon the award may be entered in any court of law of competent jurisdiction.  

You  can  reject  this  Arbitration  Section  if  you  write  to  us  within  30  days  after  we  open  your 
Account.    Send  a  letter  that  you  do  not  agree  to  the  Arbitration  Section.    The  letter  must  include  your 
name, address and Account number. Mail the letter to CFNA, BK-12/Legal, P.O. Box 81315, Cleveland, 
Ohio 44181-0315.  This is the only way you can reject the Arbitration Section. If you reject the Arbitration 
Section, all other parts of this Agreement still apply to your Account.     

10/2010 

 
 
 
 
 
 
 
 
 
28. ENTIRE AGREEMENT. This Agreement, including the Related Documents incorporated by reference 
into it, is the entire agreement between you and us relating to your Account. This Agreement replaces any 
other agreement relating to your Account that you and we made earlier or at the same time. If any of the 
Related Documents has any information that is not the same as information in this Agreement, we will 
follow this Agreement unless the other document says we should follow that document.  

SIGNATURES. Your handwritten, electronic or digital signature on any document you sign in connection 
with the use of your Card or Account represents your signature on this Agreement.  

Dean S. Miller 
President 
DATE: 10/1/2010 

NOTICES: 
California Residents:  If you are married, you may apply for a separate account. 
New York Residents: Upon your request, you will be informed of whether or not a credit report was 
ordered, and if it was, you will be given the name and address of the consumer reporting agency that 
furnished the report. 
Ohio Residents:  Ohio laws against discrimination require that all creditors make credit equally available 
to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on 
each individual upon request.  The Ohio civil rights commission administers compliance with this law.  
Married Wisconsin Residents: No provision of any marital property  agreement,  unilateral  statement  
under  Section 766.59  of  the  Wisconsin  statutes  or  court  order  under Section  766.70  adversely  
affects  the  interest  of  CFNA, unless CFNA, prior to the time credit is granted is furnished a copy of the 
agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to 
CFNA is incurred. 
NJ Residents: Certain provisions of this Agreement are subject to applicable law. As a result, they may 
be void, unenforceable or inapplicable in some jurisdictions. None of these provisions, however, are void, 
unenforceable or inapplicable in New Jersey. 

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 CFNA, BK-11/Customer Service, P.O. Box 
81315, Cleveland, Ohio 44181-0315.  
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: 

10/2010 

 
   
 
 
 
 
 
 
 
1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell 

you if we have already corrected the error. 

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we 

believe the bill is correct.  

While we investigate whether or not there has been an error: 
     • We cannot try to collect the amount in question, or report you as delinquent on that amount. 
     • The charge in question may remain on your statement, and we may continue to charge you interest 

on that amount. 

     • While you do not have to pay the amount in question, you are responsible for the remainder of your 
balance. 
     • We can apply any unpaid amount against your credit limit. 
After we finish our investigation, one of two things will happen: 
     • If we made a mistake: You will not have to pay the amount in question or any interest or other fees 

related to that amount. 

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

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling 
us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that 
you are questioning your bill. We must tell you the name of anyone to whom we reported you as 
delinquent, and we must let those organizations know when the matter has been settled between us. If 
we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question 
even if your bill is correct. 

Your Rights if You Are Dissatisfied With Your Credit Card Purchases 
If you are dissatisfied with the goods or services that you have purchased with your credit card, and you 
have tried in good faith to correct the problem with the merchant, you may have the right not to pay the 
remaining amount due on the purchase.  
To use this right, all of the following must be true: 

1.  The purchase must have been made in your home state or within 100 miles of your current mailing 

address, and the purchase price must have been more than $50. (Note: Neither of these are 
necessary if your purchase was based on an advertisement we mailed to you, or if we own the 
company that sold you the goods or services.) 

2.  You must have used your credit card for the purchase.  
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 
CFNA, BK-11/Customer Service, P.O. Box 81315, Cleveland, Ohio 44181-0315. 
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish 
our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not 
pay, we may report you as delinquent. 

10/2010