Cardmember Agreement for Elan Financial Services� Visa� and Mastercard� 
Classic, Gold and Platinum Accounts  
This credit card program is issued and administered by Elan Financial Services. This information is accurate as of September  30, 
2021 .  PLEASE NOTE that this information is provided for general information purposes only and is not specific to your Account.  See 
the Agreement that was provided for your Account and Card for more detailed information, including contact information.  
PRICING INFORMATION : Actual pricing will vary from one C ardmember to another . 
(APR  = Annual Percentage Rate)  
(DPR  = Daily  Periodic  Rate)  
Annual Percentage Rates for Purchases  
 
This APR  will vary with the Market based on 
the Prime Rate . Prime + 4.74%  to Prime + 22.74%  
(APR ) 7.99% to 25.99 % 
(DPR ) 0.021890 % to 0.071205 % 
Annual Percentage Rates for Balance Transfers  
 
This APR  will vary with the Market based on 
the Prime Rate . Prime + 4.74%  to Prime + 22.74%  
(APR ) 7.99% to 25.99 % 
(DPR ) 0.021890 % to 0.071205 % 
Annual Percentage Rates for Cash Advances  
 
This APR  will vary with the Market based on 
the Prime Rate.  Prime + 4.74%  to Prime + 22.74%  
(APR ) 7.99% to 25.99 %  
(DPR ) 0.021890 % to 0.071205 % 
Penalty APR and When It Applies  There is no Penalty Rate for your Account.  
Paying Interest  
 Your due date is 24-30 days after the close of each billing 
cycle. We will not charge you interest on Purchases if you 
pay your entire balance by the due date each month.  We 
will begin charging interest on Advances and Balance 
Transfers on the transaction date.  
Minimum I nterest Charge  
 If you are charged interest, then the Minimum Interest 
Charge will be no less than $2.00.  
For Credit Card Tips from the  
Consumer Financial Protection Bureau  
 To learn more about factors to consider when applying for or 
using a credit card, visit the website of the Consumer 
Financial Protection Bureau at  
http://www.consumerfinance.gov/learnmore . 
Set Up and Maintenance Fees  NOTICE: Some of these set -up and maintenance fees will 
be assessed before you begin using your Card and based 
on your Credit Limit, your initial available credit will be less.  
 
You may still reject this Account, provided that you have not 
yet used it or p aid a fee after receiving a billing statement. If 
you do reject the Account, you are not responsible for any 
fees or charges . 
Annual Fee  $0 to $50 
Travel Fee  NONE  
Transaction Fees   
Balance Transfer Advance Fee  Either $5 or 3% of the Transfer or Advance amount, 
whichever is greater (maximum fee (No Maximum)).   
Convenience Check Advance Fee  Either $5 or 3% of the Advance amount, whichever is 
greater (maximum fee (No Maximum)).  
Financial Institution Cash Advance Fee  Either $0 to $10 or 0% to 5% of the Advance amount, 
whichever is greater (maximum fee (No Maximum)).  
Cash Equivalent  Advance Fee  Either $0 to $20 or 0% to 5% of the Advance amount, 
whichever is greater (maximum fee (No Maximum)).  
Cash Advance Overdraft Protection Fee  Either $0 to $10 or 0% to 4% of the Advance amount, 
whichever is greater (maximum fee (No Maximum)).    
 Cash Advance ATM Fee  Either $0 to $10 or 0% to 5% of the Advance amount, 
whichever is greater (maximum fee (No Maximum)).  
Foreign Transaction Fee  Up to 3% of each foreign transaction amount . 
Account Fees   
Late Fee  Up to $40 
Overlimit Fee  NONE  
Return Payment Fee  $0 to $40 
 
How We Will Calculate Your Balance: We use a method called �average daily balance (including new 
purchases)�.  See the Agreement for more details.  
 
P. O. Box 6352  
Fargo, ND  58125  
 
Cardmember Agreement  
 
This is a cardmember agreement and disclosure statement ( �Agreement �) between 
you and the Issuer  containing the terms that will apply to your Credit Card Account 
(�Account �) effecti ve September  30, 2021 . In this Agreement, �you�, �your" and 
�Cardmember� means each individual  accepting a solicitation or applying for the 
Account or otherwise agreeing to be responsible for the Account. �We�, �us�, �our�, 
and � Cardmember Service � means  Elan Financial  Services,  the issuer  of the Card 
and your Account creditor. Please read this Agreement carefully and keep it in a safe 
place to make the best use of the credit cards we issue with this Account ( �Card �). 
The Agreement becomes effective as soon as you or someone authorized by you 
uses or activates the Card or Account. Even if the Card or Account has not been 
used or activated, the Agreement becomes effective unless you contact us within 30 
days after you receive the Card by calling the number on the back o f the Card to 
cancel your Account.  This web Agreement does not replace the Agreement that is 
provided with the Account and Card .  
 
This Agreement contains an arbitration provision (including a class action 
arbitration waiver).  It is important that you rea d the entire Arbitration Provision 
section carefully.  
 
ACCOUNT FEATURES AND YOUR USE OF THE ACCOUNT  
 
1. Personal Use : You may use the Account only for personal, family or household 
purposes. Federal or state consumer protection laws may not apply if you us e the 
Account for other than personal, family or household purposes.  
 
2. Purchases : You may use the Account to buy, lease or otherwise obtain goods or 
services from participating merchants (including transactions you initiate by mail, 
telephone or over the Internet), or take advantage of special promotional Balance 
Transfer offers that po st as Purchase transactions (�Purchases�).  We will, in 
connection with any promotional offer we make from time to time, provide information 
on your Card carrier or in additional materials  (the �Offer Materials�) that explain 
whether those transactions wil l post and be treated as a Purchase.   Even if you have 
not signed a sales draft or the merchant has not supplied you with a written receipt 
or other proof of sale, you are responsible for all Purchases made through your 
Account, except as expressly limited  by applicable law (see Your Billing Rights 
section below for more details).   
 
3. Advances : �Advances � are transactions other than Purchases that allow you direct 
access to funds available through your Account.  Advances may include Account 
transactions su ch as cash advances you obtain directly from us, automated teller 
machines (�ATMs�) or other participating financial institutions ( �Cash Advances �). 
ATM and financial institution Advances include phone (automated phone system and 
24 Hour customer service a ssisted) and Internet transfers. Advances also include 
some Balance Transfers, Convenience Checks, FastCash, Overdraft Protection 
Advances and Cash Equivalent Advances.  �Cash Equivalent Advances� include 
transactions to acquire or initiate wire trans fers, travelers checks, cashier� s checks, 
money orders, foreign cash transactions, casino gaming and betting transactions and 
lottery tickets.  Monthly Account statements we issue may refer to Advances as an 
Advance, Cash, Cash Advances, or by the product or device you used to obtain an 
Advance.  Refer to the Account Fees section for details on Advance Transaction 
Fees . 
 4. Advance Limits : Only a portion of the Credit Limit (defined below) is available for 
Advances  and that portion may vary from time to tim e. Although you may have credit 
available under your Account, we may be unable to authorize an Advance. You may 
contact Cardmember Service to learn the portion of your Credit  Limit  which is 
available for Advances.  
 
5. Convenience Checks : From time to time,  we may supply Convenience Checks for 
use by the person(s) or drawer named on those checks. �Convenience Checks � are 
drafts that look like other checks, but are drawn on credit available in your Account.  
Convenience Checks  may not be offered for all Account types.  We will, in connection 
with any Convenience Check we provide, include Offer Materials that will expla in 
whether the Convenience Check will post and be treated as an Advance or as a 
Balance Transfer. Convenience Checks must be written in U.S. Dollars. We may 
return a Convenience Check unpaid if:  
(a) the credit available under your Credit  Limit is less tha n the Convenience Check 
amount;  
(b) the Account is in Default; or  
(c) the Convenience Check is improperly endorsed or otherwise fails to conform to 
our regularly accepted standards for check payment.  
Convenience Checks may not be used to pay your Accoun t or any obligation you 
owe us or our affiliates.    
 
6. Paying and Stopping Payment on Convenience Checks : You must write to us or 
call to request that payment be stopped on a Convenience Check. You must call us 
promptly with an oral stop payment request a nd then provide us with a written 
confirmation of the stop payment request within 14 calendar days. Any written stop 
payment request we receive will remain in effect for 6 months, unless you renew the 
request in writing before the end of that time. We may pay Convenience Checks more 
than 6 months old. There may be circumstances under which a Convenience Check 
must be paid, even if we have received a stop payment request from you. We will not 
be liable to you if we do not honor your stop payment request unde r those 
circumstances. If it is determined that a Convenience Check should have been paid, 
but was not, we will not be liable for any consequential, punitive or incidental 
damages if we acted in good faith. Our only obligation under those circumstances 
will be to pay the designated payee the amount of the Convenience Check and 
cancel any charges assessed against your Account as a result of any wrongful failure 
to honor the Convenience Check.   
 
7. Balance Transfers : We may permit you to transfer balances and obligations  that 
you owe other companies or financial institutions  to your Account, subject to the 
terms and conditions disclosed in the Offer Materials  (�Balance Transfers�) . Balance 
Transfers will post to your Account and be separately refle cted on monthly Account 
statements as a Balance Transfer, or, depending upon the offer, may post to the 
Account and be treated as a Purchase  or an Advance .  We will, in connection with 
any Balance Transfer offer we make, provide you with materials that exp lain how the 
Balance Transfer will post to your Account and be reflected on monthly Account 
statements. You may not request Balance Transfers on existing obligations you owe 
us or our affiliates. If you request a Balance Transfer that would cause  your Acco unt 
to exceed its  Credit Limit, we may, at our option, (a) post the entire Balance Transfer 
requested to your Account; (b) post only a portion of the Balance Transfer requested 
to your Account up to the amount of credit available under the Credit  Limit; or  (c) 
refuse to process the entire amount of the Balance Transfer requested.    
 
8. Overdraft Protection : This section is part of the Agreement only if you have 
specifically requested and have obtained Overdraft Protection linking the Account 
with a designated checking account at a financial institution with which we are   
 affiliated or with which we have a corr espondent relationship. An �Overdraft 
Protection Advance� is an advance of funds to your designated checking account 
from this Account that will prevent overdrafts on your checking account.  You 
authorize us to make Overdraft Protection Advances from the A ccount as provided 
in this Agreement.  Any Overdraft Protection Advance will post and be disclosed as 
either a "Financial Institution Cash Advance" or an "Overdraft Protection Advance � 
on your periodic statement, and will be subject to either a Financial I nstitution Cash 
Advance fee or an Overdraft Protection Advance fee, depending on how the Advance 
is processed.  An Overdraft Protection Advance will be made only once per day, and 
will be made in the amount determined by your financial institution (regardl ess of the 
specific overdraft amount). Please verify the amount of the Overdraft Protection 
Advance with your financial institution.  We may cancel Overdraft Protection 
privileges under the Account, even if the Account remains open for other purposes.  
 
Note: For Young Adult Accounts, the young adult�s name and cosigner�s name must 
both be named on the linked checking account in order to have Overdraft Protection.  
 
INTEREST CHARGES AND ACCOUNT FEES  
 
9. Account  INTEREST  CHARGES : INTEREST  CHARGES  reflect the cost of credit. 
Your total INTEREST  CHARGE  for any billing cycle will equal the amount of any (a) 
periodic rate INTEREST  CHARGES  (sometimes referred to as "interest" in this 
Agreement and on monthly Account statements); (b) Advance Transaction  Fees ; and 
(c) any other transaction fees that are considered INTEREST  CHARGES .  
 
10. Interest Rate :  In this Agreement , we have abbreviated the terms � daily periodic 
rate� as DPR , �average daily balance � as ADB , and �ANNUAL  PERCENTAGE 
RATE � as APR .  
(a) Standard Interest Rates -  
Rate for "Purchases" and "Balance Transfers": The DPR  for transactions posting  as 
Purchases and Balance Transfers is equal to 1/365th of its corresponding APR . Rate 
for "Advances": The DPR  and corresponding APR  for transaction s posting to the 
Account as Advances is equal to 1/365th of its corresponding APR .  
 
(b) Your Variable APR s are calculated by adding a margin to the Index. Your Variable 
DPR  is equal to 1/365th of the corresponding APR . Your DPR  and corresponding 
APR  may i ncrease or decrease from time to time according to the movements up or 
down of  the Index, which is the Prime Rate published in the "Money Rates" section 
of the  Midwest Edition of The Wall Street Journal  on the last publication day before 
the date  on which the billing cycle closed (in other words, the "statement date"). We 
reserve the right to choose a comparable new index if The Wall Street Journal  ceases 
to publish a Prime Rate. The margin is the percen tage we add to the Index to 
calculate the APR . The current applied Index value for your Account is 3.25%. Any 
variable rate adjustment based on a change to your margin will be effective as of the 
first day of the current billing cycle, and will apply to al l new Account balances and 
transactions subject to that variable rate. Any variable rate adjustment based on a 
change to your Index will be effective as of the first day of the current billing cycle, 
and will apply to all new and outstanding Account balanc es and transactions subject 
to that variable rate. An increase or decrease to the Index or margin will apply to 
Purchase, Advance, and Balance Transfer balances and will result in an increase or 
decrease in the INTEREST CHARGE  on the Account, an increase o r decrease to 
your Minimum Payment, and an increase or decrease to your New Balance.   
 
Introductory and Promotional Rates : We may, at our option, offer you for a limited 
time introductory  or promotional interest rates for all or part of new Purchase, 
Advance, or Balance Transfer s posted to  your Account. We will tell you in the Offer 
Materials the introductory or promotional rate and the period of time during which that 
rate will be in effe ct and any conditions or requirements of the offer. Unless the Offer 
Materials state otherwise, an introductory or promotional rate will remain in effect 
until the last day of the billing cycle in which the introductory or promotional rate 
expires .  Any in troductory or promotional rate that applies to new or outstanding 
Account balances will increase to the standard rate that would otherwise apply, or, 
when appropriate under the terms of this Agreement, a Penalty  Rate due to an 
Adjustment Event (as indicate d above).    
 
11. INTEREST  CHARGE ; Method of Computing Balance  Subject to Interest  Rate : 
We calculate the periodic rate or interest portion of the INTEREST  CHARGE  by 
multiplying the applicable DPR  by the ADB  (including new transactions) of the 
Purchase, Advance and Balance Transfer categories subject to interest, and then 
adding together the resulting interest from each category. We determine the ADB  
separately for the Purchases, Advances and Balance Transfer  categories. To get the 
ADB  in each category, we add together the daily balances in those categories for the 
billing cycle and divide the result by the number of days in the billing cycle. We 
determine the daily balances each day by taking the beginning ba lance of those 
Account categories (including any billed but unpaid interest, fees, credit insurance and other charges), adding any new interest, fees, and charges, and subtracting any 
payments or credits applied against your Account balances that day. We a dd a 
Purchase, Advance or Balance Transfer to the appropriate balances for those 
categories on the later of the transaction date or the first day of the statement period. 
Billed but unpaid interest on Purchases, Advances and Balance Transfers is added 
to the appropriate balances for those categories each month on the statement date. 
Billed but unpaid Advance Transaction Fees are added to the  Advance balance  of 
your Account on the date they are charged to your Account.    
 
Any billed but unpaid fees on Purcha ses, credit insurance charges, and other 
charges are added to the Purchase balance of the Account on the date they are  
charged to the Account. Billed but unpaid fees on Balance Transfers are added to 
the Balance Transfer balance of the Account on the date they are charged to the  
Account. In other words, billed and unpaid interest, fees, and charges will be included 
in the ADB  of your Account that accrues interest and will reduce the amount of credit 
available to you.  To the extent credit insurance char ges, overlimit fees, Annual Fees, 
and/or Travel Membership Fees may be applied to your Account, such charges 
and/or fees are not included in the ADB calculation for Purchases until the first day 
of the billing cycle following the date the credit insurance charges, overlimit fees, 
Annual Fees, and/or Travel Membership Fees (as applicable) are charged to the 
Account.  Prior statement balances subject to an interest -free period that have been 
paid on or before the payment due date in the current billing cycle a re not included 
in the ADB  calculation. There may be a  minimum INTEREST  CHARGE  Fee in any 
billing cycle in which a n INTEREST  CHARGE  is due.   As described above, this 
Agreement provides for the compounding of interest on your Account.  
 
12. Paying Interest: You have a 24 to 30 day interest -free period for Purchases 
provided you have paid your previous balance in ful l by the Payment Due Date shown 
on your monthly Account statement. In order to avoid additional INTEREST 
CHARGES  on Purchases, you must pay your new balance in full by the Payment 
Due Date shown on the front of your monthly Account statement. There is no interest -
free period for transactions that post to the Account as Advances or Balance 
Transfers except as provided in any Offer Materials . Those transactions are subject 
to interest from the date they post to the Account until the date they are paid in full.   
   
13. Advance Account Fees : You agree to pay the following Account fees and 
INTEREST  CHARGES : 
 
(a) We may add a n Advance Transaction Fee  INTEREST  CHARGE  to the 
Advance balance of the Account for each Advance you obtain during a billing 
cycle  in addition to the interest that accrues on Advances . The Advance 
Transaction Fee imposed will equal the greater of either  a percentage of each 
Advance or the minimum dollar amount, subject to the maximum  dollar amount .   
(b) We may add a Balance Transfer Fee INTEREST CHARGE  to the         
Purchase balance of the Account except where Offer Materials specify 
otherwise.      
(c) We may add  a Convenience Check  Fee INTEREST  CHARGE to the  
Advance balance of your Account  except where Offer Materials specify 
otherwise.  
(d)  We may add  an Overdraft Fee INTEREST CHARGE  to the Advance 
balance of your Account, except where Offer Materials specify otherwise.  
 
14. Account Fees:  
(a) We may add a Promotional Discount Transaction Fee INTEREST                             
CHARGE  for each Promotional Discount you receive during the billing cycle, 
as outlined in any Offer Materials  
(b) Annu al Membership Fee. Each year, the Account may be subject to your 
payment in advance of an Annual Membership Fee INTEREST CHARGE  
which will compensate us for  maintaining and servicing the Account for t he 
following year. This fee will  be charged to the Purchase balance of your 
Account.  
(c) We may add  a Late Payment Fee to the Purchase balance of the Account if 
your Minimum Payment is not received by the Payment Due Date shown on 
the monthly Account statement.   
 (d) There is no Overlim it Fee on your  Account .               
(e) We may add a Returned Payment Fee to the Purchase balance of the 
Account if any payment on the Account is not honored or if we must return it to 
you because it cannot be processed. A check that is returned unpaid w ill be 
sent for collection.  
(f) We will add a Duplicate Documentation Fee to the Purchase balance of the 
Account for each copy of a monthly statement, sales slip, refund slip, or 
Advance slip that you request. There will be no charge for documentation 
requests made in connection with a billing error notice, if our investigation 
indicates a billing error occurred.    
 (g) We may add a service charge to the Purchase balance of the Account if you 
call us to make a payment on your Account and are assisted by a Cardmember 
Service Representative to make the payment. You will be provided with 
confirmation of the service charge before the payment transaction is authorized.  
(h) We may add a Stop Payment Check Fee to the Purchase balance of your 
Account if you request a stop payment on a Convenience Check.  (See "Paying 
and Stopping Payment on Convenience Checks" section above for more 
details.)  
            
 Under  no circumsta nces will your Late Payment Fee or Returned Payment Fee ever 
be greater than  your Minimum Payment due and under  no circumstance will your 
Overlimit Fee ever be greater than the amount your balance is overlimit.  
IMPORTANT INFORMATION ABOUT USING YOUR ACCOUN T 
 
15. BalanceShield or Insurance Charges : Your purchase of BalanceShield debt 
cancellation or credit life insurance and disability is optional.  Whether or not you 
purchase BalanceShield or credit insurance will not affect your application for credit 
or the terms of any existing credit agreement y ou have with us.  If you elect to 
purchase BalanceShield or credit insurance and are eligible to participate, the 
monthly program fee or premium (at the rate disclosed to you) will be added to the 
Purchase balance as of the closing date of each billing cyc le based upon the Account 
balance (including accrued INTEREST  CHARGES ).  The terms of your 
BalanceShield coverage will be summarized in the BalanceShield Debt Cancellation 
Program Agreement, which will be provided to you upon enrollment. For credit 
insuran ce, the terms of your insurance coverage will be summarized in the Certificate 
of Insurance, which will be provided to you.  These features are not offered for 
Secured Accounts.  
 
16. Credit Limit: The Account Credit Limit is the maximum amount of credit ava ilable 
under the Account at any time. Under certain circumstances, your Account may 
exceed the Credit Limit and you will be responsible for the full amount of the Credit 
Limit as well as any amounts owed that exceed the Credit Limit, including fees and 
INTEREST CHARGES .  You may not request or obtain additional Advances or 
Balance Transfers once you have reached your Credit Limit.  The initial Credit Limit 
is shown on the Card carrier and will also appear on your monthly Account 
statements.  We reserve the right to review your Account at any time and increase 
or decrease your Credit Limit.  Cosigner consent is required for Credit Limit 
increases. You may not increase your Credit Limit by carrying credit balances over 
the Credit Limit we make avai lable to you.   (Also see the �Advance Limits� section 
above for more information about limits on Cash Advance, Cash Equivalent Advance 
and telephone transfer transactions).  
 
17. Payment : You must pay us in U.S. Dollars with checks or similar payment 
instru ments drawn on a financial institution located in the United States.  We will also 
accept payment in U.S. Dollars via the Internet or phone or previously established  
automatic payment  transaction.  We may, at our option, choose to accept a payment 
drawn on  a foreign financial institution.  However, you will be charged and agree to 
pay any collection fees required in connection with such a transaction.  The date you 
mail a payment is different than the date we receive that payment.  For purposes of 
this Agre ement, the payment date is the day we receive your check or money order 
at the address specified on your monthly Account statement  or the day we receive 
your electronic or phone payment .  If you mail your payment without a payment 
coupon or to an incorrect  address, it may result in a delayed credit to your Account , 
additional INTEREST  CHARGES , fees, and possible suspension of your Account.  
 
18.   Minimum Payment: Each month, you must pay at least the Minimum Payment 
and any past due Minimum Payment(s) by the Payment Due Date shown on your 
monthly Account statement. You may, at your option, pay more than the Minimum 
Payment or pay the New Balance (as stated on your monthly Account statement) in 
full to reduce or avoid the INTEREST CHARGE  for the Account. Your Minimum 
Payment will be calculated as follows:  first we  determine the �Base Minimum 
Payment,� which is the greater of $30.00  or 1% of your N ew Balance not including 
items (1) and (2) below , which, if not a whole dollar amount, will be rounded to the 
next highest dollar .  To the  Base Minimum Payment, we may add one or more  of the 
following items, as incurred on your Account: (1) any late, annual and/or any other 
Account related fee, (2) the INTEREST CHARGE , and (3) if your Account is over the 
Credit Limit, some or all of the balance amount over your Credit Limit. If the res ulting 
Minimum Payment is greater than $30.00 , the total , if not a whole dollar amount, is  
then rounded to the next highest dollar not to exceed your New Balance. Any 
Minimum Payment or additional amount you pay each month will not prepay any 
future Minimu m Payments required, or change your obligation to make at least a 
Minimum Payment by the Payment Due Date.   Any statement credit that results from 
a promotional offer or rewards redemption, if applicable, will only be applied to the 
Account balance and not  satisfy any portion of the Minimum Payment requirements 
for this Account.   
19. Payment Application :  If we cannot collect on your check or other payment item 
you send us to pay on your Account, we may post as an Advance transaction an 
amount equal to the credit previously given to you for such check or payment  item 
and we may charge interest on this amount from the date your Account originally  was 
credited for the payment. After a payment has been made, we reserve the right to 
withhold available credit in the amount of the payment for 7 business days. Any  credit 
available before the payment is made will continue to be available for use during this 
time.  
 
20. Skip Payment Option : We may, at our option, occas ionally offer you an 
opportunity to skip your obligation to make the Minimum Payment due. You may  not 
skip payments unless we make this offer to you.  If we offer you an opportunity to 
skip a payment more than once in a 12 month period, you will not be per mitted to  
skip payments required in consecutive months. You cannot accept a skip payment 
offer if your Account is delinquent, or is in Default. When you take advantage of a 
skip payment offer, the interest will continue to accrue on the entire unpaid balan ce 
of your Account.  
 
21. Change of Address : Your monthly Account statements and notices about your 
Account will be sent to the address you provided in your application or your response 
to our Account solicitation. To change your address, you must call or write to us. We 
must receive this information  21 days before the date a billing cycle closes to provide 
your monthly Account statement at your new address.  If you have an address 
change within 45 days of the expiration date of your Card(s), please contact 
Cardmember Service with your new address  so your new Card(s) can be mailed to 
your new address.  We may also update your address in our records without a req uest 
from you if we receive an address change notice from the U.S. Postal Service or if 
we receive updated address information from our mail services vendor.  
 
22. Authorized Users: You agree not to allow access to your Card, Account number, 
Convenience Che cks, or personal identification number (PIN) to anyone else to use 
your Account, except by asking us to issue a card to grant Account access to another 
person.  If you allow access to your Card or Account information, you will be liable 
for any charges mad e by that person, unless and except as expressly required by 
applicable law.  You agree to be responsible for all Account transactions made by a 
Cardmember, or anyone  who you have authorized by (a) asking us to issue a Card 
to grant Account access to anoth er person; (b) lending your Card to or allowing 
Account access by another person; or (c) any other way in which you would be legally 
considered to have allowed another person to use your Account or to be legally 
prevented from denying that you did so.  Be cautious when allowing another person 
to become an authorized user of your Account; once you allow authority to any 
authorized user you cannot limit that authority unless the Account is closed to future 
transactions.  You, as a primary or joint Cardmember must call or write us with any 
request to cancel and remove a person�s authority. We will not provide any Account 
information to anyone other than you and any Authorized Users.  Authorized Users  
have  no right to make any Account changes or inquiries.  
 
23. Lost or Stolen Card or Other Information : You must notify us immediately  by 
telephone or in writing if your Card , Convenience Checks , or PIN is lost or stolen or 
there is possible unauthorized use of your Card, Account , or PIN. You will not be 
liable for unauthorized use of your Account.  If this happens, we will ask you and all 
other persons given Account access to return all Cards and unused Convenience 
Checks to us. In addition, we have the right to close your Account and open a new 
Account. If we do so , new Cards will be issued.  If requested, we may issue a new 
PIN and new Convenience Checks for your new Account . 
 
24.  Using Your Card for International Transactions :  
Visa: You may use your Card for retail Purchases at foreign merchants and for cash  
withdrawals from foreign ATMs. Some merchant and ATM transactions, even if you 
and/or the merchant or ATM are located in the United States, are considered foreign 
transactions under the applicable rules, in which case we will add the Foreign 
Transaction Fe e INTEREST CHARGE  described in the addendum  to those 
transactions. We do not control how these merchants, ATMs, and transactions are 
classified for this purpose. The exchange rate in effect when the transaction is 
processed may differ from the rate in effe ct on the date of the transaction or the date 
of the posting of the transaction to your Account.  
 
If you use your Card at a merchant or an ATM that bears the Visa logo (and no PLUS  
System logo), the transaction will be processed through the Visa system an d will be  
converted to U.S. Dollars according to the applicable rules established by Visa from 
time to time. Currently, the currency conversion rate used by Visa to determine the 
foreign currency transaction amount in U.S. Dollars is determined by multiply ing the 
amount of the foreign currency transaction times (a) a rate selected by Visa from the 
range of rates available in wholesale currency markets for the applicable central   
 processing date, which rate may vary from the rate Visa itself receives, or (b) the 
government -mandated rate in effect for the applicable central processing date. If your 
foreign transaction is in foreign currency prior to being processed by Visa, we will 
add a Foreign Transaction Fee INTEREST CHARGE  of up to  3.00% of the Purchase 
transaction or up to 3.00% of the ATM transaction. If your foreign transac tion is in or 
converted to U.S. Dollars prior to being processed by Visa, we will add a Foreign 
Transaction Fee INTEREST CHARGE  of up to 3 .00% of the Purchase transaction or 
up to 3 .00%  of the ATM transaction.  If you use your Card at an ATM that bears only 
the PLUS System logo (and no Visa logo), the transaction will be processed through 
the PLUS System and will be converted into U.S. Dollars at the exchange rate 
established, from time t o time, by the operator of that ATM. To the converted 
transaction we will not add a Foreign Transaction Fee INTEREST CHARGE .  If you 
use your Card at an ATM that bears both the Visa and PLUS System logos, the ATM 
operator will determine whether to send your transaction over the Visa or PLUS 
System network using such network's respective currency conversion rules then in  
effect (as explained above).       
 
Mastercard :  You may use your Card for retail Purchases at foreign merchants and 
for cash withdrawal s from foreign ATMs that bear either the PLUS System or the 
Mastercard  logo.  Some merchant and ATM transactions, even if you and/or the 
merchant or ATM are located in the United States, are considered foreign 
transactions under the applicable Mastercard  rules, in which case we will add the 
Foreign Transaction Fee  INTEREST CHARGE described in  this section to those 
transactions.  We do not control how these merchants, ATMs, and transactions are 
classified for this purpose.  The currency conversion rate in ef fect on the processing 
date may differ from the rate that would have been used on the date of the transaction 
or the date of the posting of the transaction to your Account.   
 
If you effect a transaction at a merchant or an ATM that bears the Mastercard  logo 
(and no PLUS System logo) with your Mastercard  Card in a currency other than U.S. 
Dollars, Mastercard  International Incorporated will convert the transaction into a U.S. 
Dollar amount using its currency conversion procedure, which is disclosed to 
institutions that issue Mastercard  cards. Currently, the currency conversion rate used 
by Mastercard  Internati onal to determine the foreign currency transaction amount in 
U.S. Dollars for such transactions is generally either a government mandated rate or 
a wholesale rate determined by Mastercard  International for the processing cycle in 
which the transaction is p rocessed.  If your foreign transaction is in foreign currency 
prior to being processed by Mastercard , we will add a Foreign Transaction Fee 
INTEREST CHARGE  of up to 3.00% of the Purchase transaction  or up to 3.00% of 
the ATM transaction. If your foreign tr ansaction is in or converted to U.S. Dollars prior 
to being processed by Mastercard , we will add a Foreign Transaction Fee INTEREST 
CHARGE  of up to 3.00% of the Purchase transaction  or up to 3.00% of the ATM 
transaction.  
 
If you use your Card at an ATM tha t bears only the PLUS System logo (and no 
Mastercard  logo), the transaction will be processed through the PLUS System and 
will be converted into U.S. Dollars at the exchange rate established, from time to 
time, by the operator of that ATM.  To the converte d transaction we will add a Foreign 
Transaction Fee INTEREST CHARGE . 
 
If you use your Card at an ATM that bears both the Mastercard  and PLUS System 
logos, the ATM operator will determine whether to send your transaction over the 
Mastercard  or PLUS System n etwork using such network�s respective currency 
conversion rules then in effect (as explained above).  
 
YOUR LEGAL RESPONSIBILITY IN THIS AGREEMENT  
 
25. Responsibility to Pay : You agree to pay us for all Purchases, Advances, Balance 
Transfers, INTEREST  CHARGES , Account Fees and charges, any other transaction 
charges as provided in this Agreement and, to the extent permitted under applicable 
law, attorneys fees and collection cos ts we incur enforcing this Agreement against 
you. This is the case even if your Account is only used by one of you, or is used by 
someone authorized  by only one of you. If there is more than one Cardmember,  each 
of you is responsible, together and separate ly, for the full amount owed on your 
Account.  Your obligation to pay the Account balance continues even though an 
agreement, divorce decree, court judgment, or other document to which we are not 
a party may direct another person responsible to pay the Acco unt.   
 
26. Intent  to Repay : Every time you use your Account, you represent to us that you 
intend to and have the ability to repay your Account obligations. We rely on this 
representation every time you use your Account.  
 
27. Settling a Disputed Balance; Payment in Full : If you want to settle a disagreement 
with us about any amount you owe by sending a check on which you have written 
"Payment in Full" or similar language, you must send us a written explanation of the disagreement or dispute and an y such check to Cardmember Service. (See Your 
Billing Rights  section below for complete details.) This address is different than the 
address you use to make Account payments. Writing �Payment in Full� or similar 
language on the check will not be enough to resolve the dispute. If we collect a check 
or any payment instrument marked �Payment in Full � that you sent to an address 
other than the one provided in the Cardmember Agreement  issued with your Card 
(such as the address at whi ch you normally make payments ), we will not have waived 
our right to collect any remaining amount you owe us under the terms of your Account  
 
28. Default : You and your Account will be in Default if:  
(a) we do not receive the Minimum Payment by the Payment Due Date 
disclosed on the monthly Account statement;  
(b) you violate any other provision of this Agreement;  
(c) you die without a surviving joint Cardmember;  
(d) you become insolvent, assign any property to your creditors, or go into 
bank ruptcy or receivership;  
(e) you have made f alse statements on your Account application or in the 
maintenance of your Account;  
(f) we have any reason to believe that your Account is in danger of, or is being 
used for fraud;  
(g) you are a married community property state resident and you or we receiv e 
a written termination notice of this Agreement from your spouse;  
(h) your Account becomes inactive;   
(i) anything happens that we believe in good faith materially increases the risk 
that you will not live up to your payment and other obligations under this 
Agreement ; or 
(j) this is a joint Account and one of you notifies us that he or she wants the 
Account closed or will no longer be liable on the Account . 
 You and your Account may also be in Default if you make transactions which go over 
your Credit Li mit. 
 
29. Illegal Purchases : You agree that you will not use or permit an Authorized User 
to use the Card or Account for any unlawful purpose, such as funding any account 
that is set up to facilitate online gambling  
 
OUR LEGAL RIGHT TO CHANGE OR CANCEL THIS AGREEMENT  
 
30. Ownership of this Account: Your Card and any other Account access devices that 
we supply to you are our property and must be immediately returned to us or our 
designated agent or otherwise destroyed or surrendered as we instruct.   
 
31. Changes to your Account: Account and Agreement terms are not guaranteed for 
any period of time; we may change the terms of your Agreement, including APR s 
and fees, in accordance with applicable law and the terms of your Agreement. Your 
transactional experience with us may al so cause a change, including an increase in 
the margin that is added to the Index, an increase in fees, or a decrease in the Credit  
Limit. Factors considered in determining the increased rate or Credit Limit decrease 
may include your general credit profile, existence, seriousness and timing of the 
defaults under any agreement that you have with us, and other indications of the 
Account usage and performance. We will give you notice of any such change in the 
manner required by law.  Revised Account terms apply as of the effective date 
communicated in our notice to you unless the notice provides you with the right to 
opt out, and you do op t out, before the effective date.   
 
32. Cancellation of Your Account : We may cancel your Account or suspend your 
ability to obtain Account credit immediately, without notice, if your Account is in 
Default. Even if you are not in Default, we may cancel your Account by providing 
notice to you. You may cancel your Account by notifying us by telephone or in writing . 
If you have a secured Account, your termination request must be made in writing . If 
this is a joint Account, we will honor a request by either of you to cancel the Account. 
After the Account is cancel led, you will not be able to obtain additional Account credit, 
except that, (a) the Account may continue to receive recurring charges for items and 
services until you contact and cancel delive ry with the company providing the item or 
service, or (b) under certain circumstances if you use your Account for a transaction, 
the transaction may be posted to your Account.  After your Account is cancelled, all 
amounts outstanding on your Account will b e due and payable without notice or 
demand from us. You must cut all Cards and Convenience Checks in half and return 
them to us.  If you do not pay the amount you owe under this Agreement, you will be 
liable for our collection costs including our reasonabl e attorney fees and expenses of 
legal actions, to the extent permitted by applicable law.  
 
33. Assignment of Your Account to Another Creditor : We may assign, sell or transfer 
your Account and amounts owed by you to another creditor at any time. If we do, t his 
Agreement will still be in effect unless and until amended, and any references made 
in this Agreement to �we�, �us�,  or �our� will refer to the creditor to which we assigned,   
 sold or transferred your Account or amounts owed under your Account. You may not 
delegate your obligations and responsibilities to us to any third party without our 
express written consent.  
 
 
THE ISSUER�S LEGAL RIGHTS AND OBLIGATIONS  
 
34. Collecting Credit Information about You: You authorize us to make any credit, 
employment and investigative inquiries we feel are appropriate related to giving you 
credit or collecting amounts owed on your Account. You agree that a consumer credit 
report may be requested periodically from one or more consumer reporting agencies 
(�Credit Bureaus� ) and used in connection with your application and any update, 
renewal or extension of credit. We will provide information about you, your Account 
or your credit history to Credit Bureaus  and others who may properly receive that 
information.  
 
35. Credit Bureau Disputes : If you believe we inaccurately reported credit history 
information about you or your Account to a Credit Bureau , write to the Consumer 
Recovery Department, Attn.: CBR Disputes, P.O. Box 108, St. Louis, MO  63166 -
9801.  
 
36. Priva cy Pledge and Disclosure of Account Information : A copy of our Privacy 
Pledge was included with your original Agreement.  We also keep copies of our 
Privacy Pledge in financial institution offices and post it on our web site.  Our Privacy 
Pledge describes how we collect, protect and use confidential financial and other 
information about you and the circumstances in which we m ight share information 
about you with members of our corporate family and with unaffiliated third parties. 
Our Privacy Pledge also tells you how you can (a) limit the ways we share certain 
kinds of information about you and (b) request corrections to the i nformation we 
maintain about you.  
 
37. Refusal to Honor Transactions : We and our agents are not responsible if anyone 
refuses to honor your Card or a Convenience Check, or if authorization for a 
particular transaction is not given. Although you may have cr edit available under your 
Account, we may be unable to authorize credit for a particular transaction. The 
number of transactions you make in one day may be limited, and the limit per day 
may vary. These restrictions are for security reasons and as a result  we cannot 
explain the details of how this system works. If your Account is over the  Credit  Limit 
or delinquent, authorization of credit for transactions may be declined. We are not 
responsible for anything purchased with your Card or a Convenience Check, except 
as expressly required by applicable law (see Your Billing Rights section below for 
more details). You must return goods you purchased with the Card or Account to the 
merchant and not to us.  
 
38. Third Party Offers : From time to time, third parties may provide you with benefits 
not related to the extension of Account credit. We are not liable for these features, 
services and enhancements, as they are the sole responsibility of the third party 
provider. We and/or a third party may add, change or delete entirely these benefits 
without notice or liability to you, to the extent permitted by applicable law. You agree 
to hold us harmless from any claims, actions or damages resulting from your use of 
any of these  features, services or enhancements, where permitted by applicable law.  
 
39. Monitoring and Recording Communications: You understand and agree that we, 
and anyone acting on our behalf, may monitor and/or record any communications 
between you, or anyone act ing on your behalf, and us, or anyone acting on our 
behalf, for quality control and other purposes.  You also understand and agree that 
this monitoring or recording may be done without any further notice to you or anyone 
acting on your behalf.  The communi cations that may be monitored or recorded 
include telephone calls, cellular or mobile phone calls, and any other communications 
in any form.    
 
40. Severability : If a court of competent jurisdiction finds any part of this Agreement 
illegal or unenforceable, the remaining portions of the Agreement will remain in effect 
as written after any such illegal or unenforceable portion is amended in conformance 
with applicab le law or, if necessary, voided.  
 
41. Entire Agreement : This version of the web Agreement replaces any previous 
versions of the web Agreement. The Agreement, as modified by any change in terms 
we may deliver from time to time in accordance with applicable  law, constitutes the 
entire agreement between you and us, and supersedes any prior negotiation , 
agreement,  or understanding between you and us concerning the subject matter of 
the Agreement.  
 42. Waiver : We do not give up our rights under the Agreement o r applicable law when 
we fail to exercise or delay exercising those rights. Our failure or delay to exercise 
any right or remedy we have against you does not mean that we waive that right.  
 
43. Mobile Authentication:  To help us verify your identity, you a uthorize your 
wireless operator (AT&T, Sprint, T -Mobile�, US Cellular�, Verizon, or any other 
branded wireless operator) to use your mobile number, name, address, email, 
network status, customer type, customer role, billing type, mobile device identifiers 
(IMSI and IMEI) and other subscriber status details, if available, to allow us to verify 
your identity, and to compare information you have provided to us with your 
wireless operator account profile information for the duration of our 
relationship.   See ou r Privacy Pledge for more information of how we treat your 
data.  
 
44.  CELLULAR PHONE CONTACT POLICY:    By providing us with a 
telephone number for a cellular phone or other wireless device, including a 
number that you later convert to a cellular number, you are expressly 
consenting to receiving communications �including but not limited to 
prerecorded or artificial voice message calls, text messages, and calls made 
by an automatic telephone dialing system �from us and our affiliates and 
agents at tha t number. This express consent applies to each such telephone 
number that you provide to us now or in the future and permits such calls for 
non-marketing purposes. Calls and messages may incur access fees from 
your cellular provider.   You understand and ag ree that, if your Account has 
been assigned, sold, or transferred to us, we, as the successor -in-interest, 
and our affiliates and agents, have your prior express consent to call you 
using prerecorded or artificial voice message calls, text messages, or an 
automatic telephone dialing system at any telephone number(s) you may 
have provided to any previous creditor(s), or which may have otherwise been 
associated with your Account prior to its assignment, transfer, or sale to us.  
 
45.  Arbitration Provision:  
RESOLUTION OF DISPUTES BY ARBITRATION  
PLEASE READ THIS PROVISION CAREFULLY.  UNDER THIS PROVISION, YOU 
WAIVE YOUR RIGHTS TO TRY ANY COVERED CLAIM IN COURT BEFORE A 
JUDGE OR JURY AND TO BRING OR PARTICIPATE IN ANY CLASS OR OTHER 
REPRESENTATIVE ACTION.   
The f ollowing provision applies to any claim, cause of action, proceeding, or any 
other dispute between you, on the one hand, and us, our respective parents, 
subsidiaries, affiliates, agents, employees, predecessors -in-interest, personal 
representatives, heirs and/or successors, and assigns, on the other hand (each a 
�Claim� as further defined under the heading �Claims Covered by Arbitration�), 
including all questions of law or fact related thereto.  
Agreement to Arbitrate  
Either you or we may elect in writing, and without the consent of the other, to 
arbitrate all Claims covered by this provision.  
Claims Covered By Arbitration  
Claims subject to our agreement to arbitrate shall include all of the following: (1) 
Claims related to or arising out of this Agreement, or any prior or later versions of 
this Agreement as well as any changes to the terms of this Agreement; (2) Claims 
related to or arising out of any aspect of any relationship between us that is 
governed by this Agreement, whether based in contract, tort, s tatute, regulation, or 
any other legal theory; and (3) Claims that relate to the construction, scope, 
applicability, or enforceability of this arbitration provision.  Claims include Claims 
that arose before we entered into this Agreement (such as Claims re lated to 
advertising) and after termination of this Agreement.  
Claims Not Covered By Arbitration  
Claims subject to our agreement to arbitrate shall not include (1) any Claim you file 
in a small claims court, so long as the Claim remains in such court and a dvances 
only an individual claim for relief, and (2) Claims asserted by way of a cross claim, 
counterclaim or any similar device against a party who has initiated a proceeding in 
court or other non -arbitral forum by any other party to that proceeding.   
Commencing an Arbitration  
The party initiating arbitration must choose one of the following arbitration forums to 
administer the arbitration:  
� The American Arbitration Association (�AAA�) under AAA�s Consumer 
Arbitration Rules, except as modified by this Agre ement.  AAA�s Rules 
may be obtained from www.adr.org  or 1-800-778-7879 (toll -free).   
� JAMS/Endispute (�JAMS�) under JAMS� Comprehensive Arbitration 
Rules & Procedures or Streamlined Arbitration Rules & Procedures, 
including JAMS� Consumer Minimum Standards, except as modified by 
this Agreement.  JAMS� Class Action Procedures shall not apply .  
JAMS� rules may be obtained from www.jamsadr.com  or 1-800-352-
5267 (toll free).    
 If the chosen arbitration forum is for any reason unable to serve, then the parties 
may agree to a comparable substitute organization.   If the parties are unable to 
agree, then a court of competent jurisdiction shall appoint a substitute organization.   
Arbitration Procedure  
The arbitration shall be decided by a single neutral arbitrator selected in 
accordance with AAA�s or JAMS� rules, as applicable.  The arbitrator will decide the 
dispute in accordance with the terms of our Agreement and applicable substantive 
law, including the Federal Arbitration Act and applicable statutes of limitation.  The 
arbitrator shall honor claims of privileg e recognized at law.  The arbitrator may 
award damages or other relief (including injunctive relief) available to the individual 
claimant under applicable law.  The arbitrator will not have the authority to award 
relief to, or against, any person or entity  who is not a party to the arbitration.  The 
arbitrator will take reasonable steps to protect customer account information and 
other proprietary or confidential information.  Any arbitration hearing shall take 
place in the federal judicial district that in cludes your home address, unless you and 
we agree in writing to a different location or the arbitrator so orders.  If all Claims 
are for $10,000 or less, you may choose whether the arbitration will be conducted 
solely on the basis of documents submitted to  the arbitrator, through a telephonic 
hearing, or by an in -person hearing in accordance with AAA�s or JAMS� rules.  
At your or our request, the arbitrator will issue a reasoned written decision sufficient 
to explain the essential findings and conclusions on  which the award is based.  The 
arbitrator�s award shall be final and binding, subject to judicial review only to the 
extent allowed under the Federal Arbitration Act.  You or we may seek to have the 
award vacated or confirmed and entered as a judgment in any court having 
jurisdiction.  
No Class Action or Joinder of Parties  
You and we agree that no class action, private attorney general, or other 
representative claims may be pursued in arbitration, nor may such action be 
pursued in court if either you or we elect arbitration.  Unless mutually agreed to by 
you and us, Claims of two or more persons may not be joined, consolidated, or 
otherwise brought together in the same arbitration (unless those persons are joint 
account owners or beneficiaries on your accoun t and/or related accounts, or parties 
to a single transaction or related transaction).  If this specific paragraph is 
determined by the arbitrator to be unenforceable, then this entire provision shall be 
null and void.   
Arbitration Costs  
Unless the applicable arbitration rules at the time of filing a Claim are more 
favorable to you, we will advance (i) all arbitration costs in an arbitration that we 
commence, and (ii) the first $2,500 in arbitration filing, administration, and 
arbitrator�s fees in an  arbitration that you commence.  To the extent allowed by 
applicable law and our agreements, the arbitrator may award arbitration costs and 
attorneys� fees to the prevailing party.  
Applicable Law  
You and we agree that you and we are participating in transa ctions that involve 
interstate commerce and that this provision and any resulting arbitration are 
governed by the Federal Arbitration Act.  To the extent state law applies, the laws 
of the state governing your account relationship apply.  No state statute pertaining 
to arbitration shall apply.  This Arbitration Provision shall not apply to a party who is 
a covered borrower under the Military Lending Act.  
Severability  
Except as this provision otherwise provides, if any part of this provision is deemed 
to be invalid or unenforceable by the arbitrator, that part will be severed from the 
remainder of this provision and the remainder of this provision will be enforced.  
 
YOUR BILLING RIGHTS  
 
Keep this document for future use.  This notice tells you about your righ ts 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, call or write to us . 
  
 In your letter  or call , 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.  
 
What Will Happen After We Receive Yo ur Letter  or Call : 
When we receive your letter  or call , we must do two things:  1. Within 30 days of receiving your letter  or call , we must tell you that we received 
your letter.  We will also tell you if we have already corrected the error.  
2. Within 90 da ys of receiving your letter  or call , 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 ap ply 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 wit h 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 foll ow 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 
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 ha ve 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 th e 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 pai d for the purchase.  
 
If all of the criteria above are met and you are still dissatisfied with the purchase, 
contact us in writing .  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.  
 
SPECIAL RULES FOR CREDIT CARD PURCHASES DO NOT APPLY TO 
PURCHASES MADE WITH CONVENIENCE CHECKS OR BALANCE TRANSFER 
CHECKS.  
 
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