Zions Bancorporation, N.A. dba The Commerce Bank of Oregon 
Consumer Credit Card Agreement 

VISA® PLATINUM 

Effective October 1, 2018 

1.0: INTRODUCTORY PROVISIONS AND DISCLOSURES:  
The following information on interest rates, interest charges, and fees are accurate as of 10/1/2018 and 
may have changed after that date. To find out what may have changed, call us at 503-548-1000. 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

•  14.04% Fixed Rate for Visa Platinum 

APR for Cash Advances  

•  14.04% Fixed Rate for Visa Platinum 

Paying Interest  

Your due date is at least 25 days after the close of each billing cycle. We 
will not charge you any interest on purchases if you pay your entire 
balance due by the due date each month. We will begin charging 
interest on cash advances on the transaction date. 

Minimum Interest Charge 

No Minimum Interest Charge 

For Credit Card Tips from 
the Federal Reserve 
Board 

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. 

Fees 

Annual Fee 

$25 

Transaction Fees: 

(cid:1)  Cash Advance 

1% of the amount of each cash advance. 

(cid:1) 

International 
Transactions 

Penalty Fees: 

1% of the U.S. dollar amount of the transaction. 

(cid:1)  Late Payment  

Up to $25 

(cid:1)  Returned Payment 

Up to $25 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new 
purchases)”. See your cardholder agreement for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is 
provided in your cardholder agreement. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
1.1: Zions Bancorporation, N.A. dba The Commerce Bank of Oregon among other things, issues 
credit cards to its customers. This is a credit card agreement and disclosure statement ("Agreement") 
between you and Zions Bancorporation, N.A. dba The Commerce Bank of Oregon (“Bank”) containing the 
terms that will apply to your consumer credit card account (“Account”) and replaces and supersedes any 
previous Consumer Credit Card Agreement and Disclosure Statement (and amendments thereto).  

1.2: DEFINITIONS AND PARTIES TO AGREEMENT: The following definitions apply and will help you 
better understand this document: The word “Bank” means Zions Bancorporation, N.A. dba The 
Commerce Bank of Oregon. The words “Card Agreement” refers to this Agreement together with the 
Card Application and the folder containing the Card. The word “Card” refers to the one or more credit 
cards and the associated card number that the Bank has issued with the account number for your Card 
Account, including any renewal or replacement cards. The words “Card Account” refer to the Visa 
Platinum credit card account governed by the Card Agreement between you and the Bank. The words 
“Card Application” refer to the credit application for the Card Account. The words “Credit Card 
Checks” refer to the one or more checks that the Bank may provide to access your Card Account. The 
words “Credit Limit” refer to the maximum available dollar amount of credit authorized by the Bank. The 
words “Outstanding Balance” refer to the entire amount owing on your Card Account at any given time. 
The words “you” and “your” refer to the one or more individuals (including the primary applicant and 
any co-applicant) who have received credit from the Bank and who are liable on the Card Account. The 
words “we” or “us” refer to Zions Bancorporation, N.A. dba The Commerce Bank of Oregon. 

1.3: AGREEMENT: This Agreement documents the agreement between you and the Bank regarding 
your Card Account. This Agreement contains important information that you should review carefully and 
keep in your records. This Agreement becomes effective on the earlier of (1) 15 days after the Bank 
sends you the Card, or (2) your first use of the Card or Card Account. Any use of the credit associated 
with your Card Account constitutes your acceptance of the terms of this Agreement. If you do not wish to 
be bound by this Agreement, you must not use (or authorize anyone else to use) your Card or Card 
Account and you must cancel your Card Account within 15 days after receiving the Card. 
1.3.1: Integrated Agreement. You agree that the Card Agreement is a final written expression of the 
Agreement between you and the Bank and that the Card Agreement may not be contradicted by evidence 
of any alleged oral agreement. 
1.3.2: Severability. The provisions of the Card Agreement are severable to the extent that any provision 
hereof held to be prohibited or unenforceable in an applicable jurisdiction shall not invalidate the 
remainder of the Card Agreement in that jurisdiction and shall be fully enforceable in any other jurisdiction 
not expressly prohibiting such provision. 
1.3.3: Delay in Enforcement. The Bank may exercise its rights under the Card Agreement immediately 
or, at the Bank's sole discretion, may decline to enforce or delay in enforcing any such rights without 
losing, waiving, or impairing them. 
1.3.4: Assignment and Binding Effect. You may not sell, assign, or transfer the Card Agreement or 
your Card Account or any portion thereof without the express prior written consent of the Bank. The Bank 
may sell, assign, or transfer the Card Agreement or your Card Account or any portion thereof without 
notice to you. Subject to the foregoing, the Card Agreement shall be binding upon the heirs, 
representatives, successors, and assigns of the parties hereto. 

1.4: AMENDMENT OF THIS AGREEMENT: The Bank may amend this Agreement by changing, 
adding or deleting any term, condition, service or feature (“New Term”) of your Account or of this 
Agreement at any time. The Bank will provide you with notice of the amendment to the extent 
required by law. Unless we state otherwise, any New Term may apply only to new activity on your 
account. If the amendment includes any change for which we need your consent, we will obtain 
your consent before that New Term becomes effective. If we need to do so, we may obtain your 
consent in any one or more of the following ways: (a) by your usage of the Account after we give 
you notice of the amendment; (b) by your failure to write us on time if we request that you write us 
to reject a New Term; or (c) by your affirmative agreement which may be obtained verbally, in 
writing or electronically. 
1.4.1: If you do not agree to the Amendment. You must notify the Bank in the manner provided with the 
amendment within 25 days after the effective date of the change, and the Bank may close your Card 
Account and may elect to have you pay the Outstanding Balance as provided by law. Otherwise, you 
shall be deemed to have agreed to the change(s) in the Bank’s notice. Use of the Card after the effective 
date of the change shall be deemed to be your acceptance of the new terms. 

 
 
 
 
 
 
 
1.4.2: Any other term in the amendment will become effective without your consent, although you 
may be able to avoid a fee or charge by not making the type of transaction to which it applies after 
the effective date of the amendment. 

1.5: CREDIT LIMIT: The Credit Limit on your Card Account is disclosed on each monthly statement (your 
initial Credit Limit appears on the folder containing the Card). You agree not to use or allow anyone else 
to use the Card or your Card Account in any way that would cause the Outstanding Balance to exceed 
your Credit Limit. You are liable for the Outstanding Balance even if it exceeds your Credit Limit. The 
Bank may increase or decrease your Credit Limit at any time and will notify you of such change. In 
addition, you may request a change in your Credit Limit by writing to the address shown on your monthly 
statement or by calling 503-548-1000 during business hours (8:00 a.m. to 5:00 p.m. Pacific Time, Monday 
through Friday).  

2.0: THE CARD: 
2.1: Signature Panel. For your protection, the back of the Card contains a signature panel which should 
be signed before the Card is used. 
2.2: Card is Bank Property. The Card is the property of the Bank and must be returned to the Bank if the 
Bank so requests. Also, the Bank can at any time and without cause and without notice, revoke the right 
to use the Card. If a merchant or a financial institution where the Card is attempted to be used asks for 
the surrender of the Card, it must be surrendered immediately. 
2.3: Expiration. The Card will not be valid after the expiration date printed on the front of the Card and it 
must not be used after that date. 
2.4: Renewal and Replacement Cards. The Bank will continue to issue renewal or replacement Cards 
until the Bank revokes the right to use the Card or until your Card Account is closed. 
2.5: Additional Cards. You may request additional Cards at no additional cost for members of your 
family or for others you authorize to use your Card Account. However, you are responsible for all charges 
to your Card Account made by such persons. 

3.0: AVAILABLE TRANSACTIONS: Subject to the restrictions described herein, card network rules and 
the law, the Card and your Card Account may be used in any of the following transactions: 
3.1: Purchases. The Card may be used to purchase or lease goods or services wherever the Card is 
honored. 
3.2: Cash Advances. Subject to your available Credit Limit, the Card may be used to obtain cash 
advances from your Card Account (1) in person at the Bank or any participating financial institution or (2) 
at any ATM in the Bank network or any of the other participating ATM networks (the names of which are 
shown on the back of the Card), subject to the following limitation (certain ATMs may have other limits): 
the total dollar amount of such ATM cash advances plus all cash withdrawal electronic fund transfers 
made during any calendar day (from midnight to midnight) may not exceed $500 for each card issued 
with your Card Account number. Cash advances may not exceed the lesser of your available credit or at 
our option $5,000 for any single advance. Each cash advance will create a charge to your Card Account. 
3.3: Electronic Online Cash Advances: Subject to your available Credit Limit, the Card may be used to 
obtain electronic online cash advances from your Card Account. Based on risk, we reserve the right to 
limit electronic online cash advance access at the sole discretion of the Bank. Each electronic online cash 
advance will be treated as a cash advance subject to a Cash Advance Transaction Fee charged to your 
Card Account. 
3.4: Internet Transactions: If your card is a Visa branded card, enrollment in the Verified by Visa 
program is required after 3 internet purchases. If your card is MasterCard branded, enrollment in 
MasterCard SecureCode program is required after 3 internet purchases. In order to make transactions 
over the Internet merchants may request your Verified by Visa or MasterCard SecureCode password to 
complete the transaction. If a password is not provided the merchant may deny the transaction. If the 
password is incorrect we may deny the transaction. By allowing another to use your Verified by Visa 
password or MasterCard SecureCode password you are authorizing the transaction on your account. 
3.5: No Illegal use: OFAC Sanctions; Internet Gambling Prohibited: You must not use your Account, 
Card or Credit Card Checks (a) for any illegal purpose; (b) for any transaction or in any manner that 
violates the law; (c) to conduct transactions in any country or territory, or with any individual or entity, that 
is subject to economic sanctions administered and enforced by the U.S. Department of the Treasury's 
Office of Foreign Assets Control (OFAC); or (d) to gamble on the Internet. Restricted transactions as 
defined in Federal Reserve Regulation GG are prohibited from being processed through this account or 
relationship. Restricted transactions generally include, but are not limited to, those in which credit, 

 
 
 
 
 
 
 
electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection 
with the participation by others in unlawful Internet gambling. We have elected to not offer accounts to 
organizations that offer or sponsor Internet gambling. Commercial accounts receiving or processing 
Internet gambling transactions are subject to closure.   

4.0: MONTHLY STATEMENTS: The Bank will send you (or one of you) a monthly statement 
summarizing each transaction on your Card Account during the preceding billing period. Your monthly 
statement will show the total amount you owe as of the end of the billing period, including any finance 
charges, fees, the minimum payment due and the payment due date, which date is at least 25 days from 
the monthly statement closing date. It also shows your current Credit Limit. The Bank will mail or deliver 
your monthly statement to only one address. Preservation of your rights under federal law regarding 
resolution of billing errors depends upon your timely recognition of potential errors, as explained in “Billing 
Rights Summary” notice at the end of this Agreement. 

5.0: HOW THE NEW BALANCE IS DETERMINED: The total amount that you owe the Bank at the end of 
the current billing period appears as the “New Balance” on the monthly statement. The Outstanding 
Balance at the end of the previous billing period is called the “Previous Balance”. The New Balance is 
determined by taking the Previous Balance and (1) subtracting any payments and credits received by the 
Bank during the current billing period and then (2) adding any purchases, cash advances, finance 
charges, fees, and, other adjustments. 

6.0: PAYMENTS: You promise to pay the Bank according to the terms of this Agreement the entire 
amount owing hereunder. You agree to make all payments in U.S. Dollars drawn on funds on deposit in 
the United States (however, the Bank may at its option choose to accept payments made in foreign 
currency or made by drawing on funds on deposit outside the United States, in which case you agree to 
pay all conversion fees and bank collection fees incurred by the Bank, which amounts will be treated as 
purchase items). Do not send cash payments. 
6.1: Payment Due Date. The payment due date on your Account will be the same date each month and 
your payment will be due by 5:00 p.m. in the manner and location specified on your billing statement. 
6.2: Amount of Minimum Payment. If the New Balance is less than $25, the minimum payment is the 
full amount of the New Balance. The minimum payment due each month is 1.5% of the New Balance or 
$25 whichever is greater. You shall make (and the Bank shall have received at the address designated 
on your monthly statement) on or before 5:00 p.m. on the due date the minimum payment shown on your 
monthly statement (or, at your option, any greater amount up to the Outstanding Balance). Receipt of 
your minimum payment at any address other than that designated on your monthly statement may create 
a delay in posting the minimum payment to your Card Account and may thereby result in a late fee and 
additional finance charges. Making only the minimum payment will increase the amount of interest 
you pay and the time it takes to repay your balance. 
6.3: Application of Payments. The amount of payments credited to your Account during a billing period 
will be applied first to unpaid finance charges, then to any miscellaneous fees, then to the balance having 
the highest APR, and then to each successive balance bearing the next higher APR until the payment is 
exhausted. Balances having the same APR will be paid beginning with the oldest balance first. Payment 
for more than the minimum payment amount (but not more than the Outstanding Balance) will be 
accepted as a single payment for that billing period; the amount in excess of the minimum payment will 
not be applied toward future payments due. 
6.4: Acceptance of Partial or Nonconforming Payments. The Bank may accept late payments, partial 
payments or any payment marked with any kind of restrictive endorsement (such as “paid in full” or “in 
settlement”) without giving effect to the restrictive endorsement and without losing, waiving, or impairing 
any of the Bank's rights under this Agreement or under applicable law. 
6.5: Delay of Available Credit: We credit payments to your account on the day we receive them 
however, we reserve the right, based on risk, to delay the available credit resulting from those payments. 
6.6: Prepayment. You may repay all or any portion of the Outstanding Balance at any time without 
penalty. 

7.0: DEFAULT: If the minimum payment is not received at the proper address on or before the payment 
due date, or if you fail to honor any other obligation under this Agreement, or if you die, file for 
bankruptcy, or become insolvent or generally unable to pay your debts, or if you have furnished false or 
misleading information on the Card Application, or if you are in default under any other obligations you 
may owe to the Bank, or if the Bank reasonably believes that you are unable or unwilling to honor all of 

 
 
 
 
 
 
 
 
your obligations under this Agreement, the Bank may declare the Outstanding Balance immediately due 
and payable, may close your Card Account, and recover the Card. 

8.0: ATTORNEYS FEES; COLLECTION EXPENSES; VENUE IN OREGON. You agree to pay our 
reasonable collection expenses, whether or not any court or arbitration proceedings are filed. Collection 
expenses include reasonable attorneys fees, the cost of Bank staff (including in house counsel), and out 
of pocket expenses (whether or not such expenses are awardable as “court costs”). Unless prohibited by 
law, you agree that we may bring legal action against you in the State of Oregon, regardless of where you 
reside.  
9.0: FINANCE CHARGES: All cash advances and purchases are subject to interest charges from the 
date they are added to your Account until paid. If you pay in full by the payment due date (which is at 
least 25 days from the monthly statement closing date), you pay cash advance fees and interest charges 
only on the cash advances added during the billing cycle. The finance charge shown on your monthly 
statement will be the total of cash advance fees and interest charges. The following finance charges will 
apply whether before or after default, judgment, or the closing of your Card Account. 
9.1: Interest Charges, Periodic Rate and ANNUAL PERCENTAGE RATE (APR): The amount of 
interest charges will be derived by multiplying your average daily balances by a periodic rate. The 
periodic rate for Visa Platinum is 1.17% (corresponding APR is 14.04%).  The periodic rate is 1/12th of the 
APR. 
9.2: Average Daily Balance Method (including current transactions): We figure a portion of the 
finance charge on your Account by applying the periodic rate to the “average daily balances” of your 
Account (including current transactions) for purchases and cash advances. To get the “average daily 
balances” we take the beginning balances of your Account each day, add any new purchases, advances 
or other charges, and subtract any payments or credits, and unpaid late fees or finance charges. This 
gives us the daily balances. Then, we add up all the daily balances for each day in the billing cycle and 
divide the total by the number of days in the billing cycle. This gives us the “average daily balance” for 
purchases and cash advances. If you pay all of the new balance shown on your statement by the 
payment due date, we will exclude that balance and all new charges to the account except cash 
advances from the daily balances. 
9.3: Balance Subject to Finance Charge: The balance subject to finance charge is made up of your 
average daily balances plus your new advances (we will not include the amount of the new advances 
more than once in a balance.) 
9.4: Minimum Finance Charge. There is no minimum finance charge. 
9.5:  Military Lending Act (MLA).  The Military Lending Act provides protections for members of the 
Armed forces and their dependents. 
9.5.1: Statement of MAPR (Military Annual Percentage Rate). Federal law provides important 
protections to members of the Armed forces and their depenendents relating to extensions of consumer 
credit.  In general, the cost of consumer credit to a member of the Armed Forces and his or her 
dependent may not exceed an annual percentage rate of 36 percent.  This rate must include, as 
applicable to the credit transaction or account:  The costs associated with credit insurance premiums; 
fees for ancillary products sold in connection with the credit transaction; any application fee charged 
(other than certain application fees for specified credit transactions or accounts); and any participation fee 
charged (other than certain participation fees for a credit card account). 
9.5.2:  Oral Disclosures.  Before accepting this Agreement, in order to hear important disclosures and 
payment information about this Agreement, you may contact us at 1-844-210-3601. 
9.5.3: Applicability of Dispute Resolution Provision.  The Jury Waiver, Class Action Waiver, and 
Arbitration Agreement in the Dispute Resolution Provision set forth in this Agreement do not apply to 
those covered under the MLA.  

10.0: CASH ADVANCE FEE: Each new cash advance (including ATM cash advances) will be assessed 
a fee that is 1% of the amount of each cash advance and added to the balance of the transaction. 

11.0: OTHER FEES AND CHARGES: 
11.1: Annual Fee for Visa Platinum: A non-refundable $25.00 annual fee for each account you have 
with us will begin on the 12th month after your account is opened and charged annually thereafter.   
11.2: Late Payment Fee: If the minimum payment shown on your monthly statement is not received at 
the proper address by the fifth day following the payment due date, there will be a late fee of $10.00 if 
balance is over $100.00 and is past due 5 days. 

 
 
 
 
 
 
 
11.3: Returned Payment Fee: If any check or other payment on your Card Account is dishonored or 
must be returned because it cannot be processed, there will be a returned payment fee of $20.00.  This 
fee is charged to your account as a purchase item. 
11.4: International Transaction Fee. 1% of the U.S. dollar amount of the transaction. If you incur a 
charge in a foreign currency, the charge will be converted into a U.S. Dollar amount by Visa International. 
Currently, the currency conversion rate used is either a wholesale market rate or a government mandated 
rate in effect one day prior to the date the transaction is processed by Visa International plus three 
percent (3%) of the U.S. dollar rate. The currency conversion rate in effect on the processing date may 
differ from the rate in effect on the transaction date or the posting date. This charge is in addition to the 
Banks usual ATM fee. 

12.0: SECURITY INTEREST FOR SECURED ACCOUNTS. If you have a Secured Account, you have 
given the Bank a security interest in a savings account at the Bank to secure payment of your Card 
Account. If you withdraw your funds from the savings account, the Bank has the right to close your Card 
Account. 

13.0: JOINT ACCOUNT. If your Card Account is in the name of more than one person, each and every 
such person shall be jointly and severally liable for the full Outstanding Balance, including without 
limitation any amount in excess of your Credit Limit. In addition, except as otherwise required by 
applicable law, you agree that all monthly statements and notices regarding your Card Account may be 
sent to any one of you. 

14.0: INTERPRETATION; EFFECT: 
14.1: Duration. Except for your right to use the Card and to make charges to your Card Account (which 
right expires when your Card Account is closed); all other provisions of the Card Agreement shall remain 
in full force and effect until your Card Account is closed and your Outstanding Balance is paid in full. 
14.2: Headings. The headings used in this Agreement are for convenience only and shall have no 
bearing on the interpretation of this Agreement. 
14.3: Governing Law. THE CARD AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN 
ACCORDANCE WITH THE LAWS OF THE UNITED STATES AND OF THE STATE OF OREGON 
REGARDLESS OF WHERE YOU MAY RESIDE OR USE YOUR CARD. 

15.0: DISCLOSURES OF INFORMATION: You acknowledge and consent to the release of personal data 
about you by the Bank to Visa U.S.A., its Members, or their respective contractors for the purpose of 
providing emergency cash and/or emergency card replacement services. 

16.0: RESTRICTIONS ON USE OF CARD ACCOUNT: Only the individual named on the Card is 
permitted to use the Card for charges, identification, or any other reason. 
16.1: No Illegal Purpose. The Card, Card Account or Credit Card Checks shall not be used for any illegal 
purpose. You also agree not to use your Card, Card Account or Credit Card Checks to gamble on the 
Internet or for any transaction that violates applicable law. We may block or refuse to approve any 
transaction that we believe may violate this provision. 

17.0: LIABILITY FOR OBLIGATIONS: 
17.1: Your Liability. You shall be liable for the full amounts of your Outstanding Balance regardless of 
the purpose whether for business purposes or for personal, family or household purposes of any of the 
charges made with the Card(s) or Credit Card Checks. Your liability shall also include all charges 
regardless of the purpose made by any person to whom you have given express or implied permission to 
use the Card, Card Account or Credit Card Checks or has voluntarily provided the Card or Card number.  
17.2: User’s Liability. In addition to and not in lieu of your liability as set forth above, each User shall be 
jointly, and severally liable with you for all amounts resulting from: (a) all charges made by User for 
personal, family, or household purposes; and (b) all charges made by any person to whom that User has 
given express or implied permission to use the Card or Card Account or has voluntarily provided the Card 
or the Card number, regardless of the purpose of any such change. 

18.0: LIABILITY FOR UNAUTHORIZED USE: If your Card or Card Account number are lost or stolen, or 
if you think that someone used or may use them without permission, you agree to notify the Bank 
immediately by calling 503-548-1000. You may need to provide the Bank with certain information in 

 
 
 
 
 
 
 
 
 
 
 
writing to help the Bank determine what happened. You are not liable for loss, theft, or unauthorized use 
of your Card, Card Account, or Credit Card Check if you notify the Bank of any fraudulent transactions. 
18.1: Liability for Unauthorized Transactions: You are not liable for unauthorized use of your card if 
you notify the Bank within 2 business days. In any case, your liability will not exceed $50. 

19.0: REFUSAL OF THE CARD: The Bank will not be responsible or liable in any manner for any of the 
following or for any claim of whatever nature (including without limitation any claim for incidental or 
consequential damages) arising from or related to any of the following: the refusal or delay of any other 
financial institution, any merchant, or any person to honor the Card, your Card Account, or any Credit 
Card Check; any goods or services obtained with the Card and charged to your Card Account (except as 
and only to the extent provided in “Billing Rights Summary” notice at the end of this Agreement); any 
unsuccessful attempt to obtain prior credit authorization for any transaction when the authorization 
system is not working, or any unsuccessful attempt to use the Card in an ATM when the ATM or ATM 
network is not working or is temporarily closed or out of order. 

20.0: FINANCIAL AND CREDIT INFORMATION: 
20.1: Financial Statements. The Bank may need updated financial information from you at some time in 
the future. If the Bank asks, you agree to furnish a current financial statement or to update the Card 
Application. 
20.2: Credit Reports. You hereby authorize the Bank to make whatever credit inquiries or investigations 
about you that the Bank deems appropriate and to disclose to others credit information about your Card 
Account and your performance under this Agreement. The Bank may ask credit bureaus for reports of 
your credit history; at your request, the Bank will tell you whether or not the Bank has requested such 
reports and will tell you the names and addresses of the credit bureaus furnishing the reports. 
20.3: Negative Credit Reporting. You are hereby notified that we may report information about your 
account to credit bureaus. Late payments, missed payments, or other defaults on your account may be 
reflected in your credit report. 
20.4: Notify us of inaccurate information we report to credit bureaus. Please notify us if we report 
any inaccurate information about your account(s) to a credit bureau. Your written notice describing the 
specific inaccuracy should be sent to us at the following address: Zions Bancorporation, N.A. dba The 
Commerce Bank of Oregon, 1211 SW 5th Ave., Ste 1250, Portland, OR 97204  
21.0: (cid:1)(cid:2)(cid:3)(cid:4)(cid:5)(cid:6)(cid:7)(cid:8)(cid:9)(cid:7)(cid:4)(cid:3)(cid:10)(cid:6)(cid:7)(cid:8)(cid:11)(cid:7)(cid:3)(cid:12)(cid:12)(cid:11)(cid:6)(cid:13)(cid:13)(cid:14)(cid:7)(cid:1)(cid:2)(cid:3)(cid:4)(cid:5)(cid:6)(cid:7)(cid:8)(cid:8)(cid:4)(cid:9)(cid:2)(cid:4)(cid:10)(cid:7)(cid:2)(cid:11)(cid:10)(cid:9)(cid:12)(cid:13)(cid:4)(cid:14)(cid:2)(cid:9)(cid:15)(cid:16)(cid:13)(cid:4)(cid:3)(cid:17)(cid:4)(cid:15)(cid:14)(cid:4)(cid:18)(cid:7)(cid:15)(cid:9)(cid:15)(cid:14)(cid:6)(cid:4)(cid:15)(cid:16)(cid:4)(cid:13)(cid:2)(cid:3)(cid:4)(cid:19)(cid:20)(cid:5)(cid:14)(cid:6)(cid:8)(cid:4)(cid:13)(cid:2)(cid:3)(cid:7)(cid:4)
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(cid:22)(cid:8)(cid:8)(cid:11)(cid:8)(cid:22)(cid:4)(cid:8)(cid:16)(cid:16)(cid:8)(cid:19)(cid:9)(cid:15)(cid:26)(cid:8)(cid:12)(cid:13)(cid:4)(cid:22)(cid:8)(cid:12)(cid:15)(cid:26)(cid:8)(cid:7)(cid:8)(cid:22)(cid:4)(cid:16)(cid:2)(cid:7)(cid:4)(cid:5)(cid:12)(cid:12)(cid:4)(cid:10)(cid:3)(cid:7)(cid:10)(cid:2)(cid:17)(cid:8)(cid:17)(cid:23)(cid:4)(cid:27)(cid:16)(cid:4)(cid:13)(cid:2)(cid:3)(cid:7)(cid:4)(cid:11)(cid:5)(cid:15)(cid:12)(cid:15)(cid:14)(cid:6)(cid:4)(cid:5)(cid:22)(cid:22)(cid:7)(cid:8)(cid:17)(cid:17)(cid:4)(cid:5)(cid:10)(cid:10)(cid:8)(cid:5)(cid:7)(cid:17)(cid:4)(cid:9)(cid:2)(cid:4)(cid:14)(cid:2)(cid:4)(cid:12)(cid:2)(cid:14)(cid:6)(cid:8)(cid:7)(cid:4)(cid:25)(cid:8)(cid:4)(cid:26)(cid:5)(cid:12)(cid:15)(cid:22)(cid:4)(cid:28)(cid:8)(cid:23)(cid:6)(cid:23)(cid:21)(cid:4)
(cid:11)(cid:5)(cid:15)(cid:12)(cid:4)(cid:15)(cid:17)(cid:4)(cid:7)(cid:8)(cid:9)(cid:3)(cid:7)(cid:14)(cid:8)(cid:22)(cid:4)(cid:3)(cid:14)(cid:22)(cid:8)(cid:12)(cid:15)(cid:26)(cid:8)(cid:7)(cid:8)(cid:22)(cid:29)(cid:21)(cid:4)(cid:13)(cid:2)(cid:3)(cid:4)(cid:5)(cid:6)(cid:7)(cid:8)(cid:8)(cid:4)(cid:9)(cid:20)(cid:5)(cid:9)(cid:4)(cid:18)(cid:8)(cid:4)(cid:19)(cid:5)(cid:14)(cid:4)(cid:17)(cid:3)(cid:17)(cid:10)(cid:8)(cid:14)(cid:22)(cid:4)(cid:11)(cid:5)(cid:15)(cid:12)(cid:15)(cid:14)(cid:6)(cid:4)(cid:13)(cid:2)(cid:3)(cid:7)(cid:4)(cid:17)(cid:9)(cid:5)(cid:9)(cid:8)(cid:11)(cid:8)(cid:14)(cid:9)(cid:17)(cid:21)(cid:4)(cid:14)(cid:2)(cid:9)(cid:15)(cid:19)(cid:8)(cid:17)(cid:21)(cid:4)(cid:5)(cid:14)(cid:22)(cid:4)(cid:2)(cid:9)(cid:20)(cid:8)(cid:7)(cid:4)
(cid:19)(cid:2)(cid:11)(cid:11)(cid:3)(cid:14)(cid:15)(cid:19)(cid:5)(cid:9)(cid:15)(cid:2)(cid:14)(cid:17)(cid:4)(cid:3)(cid:14)(cid:9)(cid:15)(cid:12)(cid:4)(cid:5)(cid:4)(cid:26)(cid:5)(cid:12)(cid:15)(cid:22)(cid:4)(cid:5)(cid:22)(cid:22)(cid:7)(cid:8)(cid:17)(cid:17)(cid:4)(cid:15)(cid:17)(cid:4)(cid:7)(cid:8)(cid:19)(cid:8)(cid:15)(cid:26)(cid:8)(cid:22)(cid:4)(cid:16)(cid:7)(cid:2)(cid:11)(cid:4)(cid:13)(cid:2)(cid:3)(cid:23) 
22.0: TERMINATION: You may close your Card Account at any time by notifying the Bank in writing. The 
Bank may close your Card Account at any time without cause and without notice except we may have to 
give you notice if you are not in default. In the event of default (which includes missing any payments or 
breaking any of your Agreements with us, failing to pay other charges when due, exceeding the credit 
limit of the Account, the death, insolvency or bankruptcy of you or any joint cardholder, the seizure of any 
of your assets or income, or that of a joint cardholder, and our good faith belief that the prospect of 
payment is in jeopardy), we may without notice, terminate the Account, demand possession of all Cards, 
and declare the entire balance due and payable. When your Card Account is closed (whether by you or 
the Bank); your right to use the Card and to make charges to the Card Account will be automatically 
revoked. Termination does not excuse your obligation to pay us.  

23.0: BILLING RIGHTS SUMMARY: This notice contains important information about your rights and the 
Bank's responsibilities under the Fair Credit Billing Act. 
23.1: Notify Us in Case of Errors or Questions About Your Bill. If you think your bill is wrong, or if you 
need more information about a transaction on your bill, write us in a separate letter at the address 
indicated in the Billing Rights Summary on your Statement. Write us as soon as possible. We must hear 
from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You 
can telephone us, but doing so will not preserve your rights. In your letter, include the following 
information: 

•  Your name and account number. 
•  The date and dollar amount of the suspected error. 

 
 
 
 
 
 
 
•  Describe the error, and explain if you can, why you believe there is an error. If you need more 

information, describe the item you are not sure about. 

You must contact us at least three business days before an automated payment is scheduled, if you want 
to stop payment on the amount you think is wrong. 
23.2: Your Rights and Our Responsibilities After We Receive Your Written Notice. We must 
acknowledge your letter within 30 days, unless we corrected the error by then. Within 90 days, we must 
either correct the error or explain why we believe the bill was correct.  

After we receive your letter, we cannot try to collect any amount you question, or report you as 
delinquent. We can continue to bill you for the amount you question, including finance charges, and we 
can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount 
while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.  
If we find that we made a mistake on your bill you will not have to pay the amount in question or any 
finance charges related to any questioned amount. If we didn’t make a mistake, you may have to pay the 
amount in question or finance charges, and you will have to make any missed payments on the 
questioned amount. In either case, we will send you a statement of the amount you owe and the date that 
it is due.  

If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our 
explanation does not satisfy you and you write to us within ten (10) days telling us that you still refuse to 
pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you 
the name of anyone we reported you to. We must tell anyone we report you to that the matter has been 
settled between us when it finally is. If we don’t follow these rules, we can’t collect the first $50 of the 
questioned amount, even if your bill was correct.  
23.3: Special Rule for Credit Card Purchases: If you have a problem with the quality of property or 
services that you purchased with the Card and you have tried in good faith to correct the problem with the 
merchant, you may have the right not to pay the remaining amount due on the property or services. There 
are two limitations on this right:  

(1) You must have made the purchase in your home state or, if not within your home state, within 100 
miles of your current mailing address; and  
(2) The purchase price must have been more than $50.  

These limitations do not apply if the Bank owns or operates the merchant, or if the Bank mailed you the 
advertisement for the property or services. 

24.0: DISPUTE RESOLUTION PROVISION. This Dispute Resolution Provision contains a jury 
waiver, a class action waiver, and an arbitration agreement (or judicial reference agreement, as 
applicable), set out in four Sections. READ IT CAREFULLY.  The Jury waiver, class action waiver, 
and arbitration agreement in this Dispute Resolution provision do not apply to you if, as of the date of this 
agreement, you are a member of the Armed Forces or a dependent of such member entitled to protection 
under the Federal Military Lending Act. 

SECTION 1: GENERAL PROVISIONS GOVERNING ALL DISPUTES: 
24.1.1: PRIOR DISPUTE RESOLUTION AGREEMENTS SUPERSEDED. This Dispute Resolution 
Provision shall supersede and replace any prior “Jury Waiver,” “Judicial Reference,” “Class 
Action Waiver,” “Arbitration,” “Dispute Resolution,” or similar alternative dispute agreement or 
provision between or among the parties. 

24.1.2: “DISPUTE” DEFINED. As used herein, the word “Dispute” includes, without limitation, any claim 
by either party against the other party related to this Agreement, your Card or Account. In addition, 
“Dispute” also includes any claim by either party against the other party regarding any other 
agreement or business relationship between any of them, whether or not related to the Loan or 
other subject matter of this Agreement. “Dispute” includes, but is not limited to, matters arising from or 
relating to a deposit account, an application for or denial of credit, warranties and representations made 
by a party, the adequacy of a party’s disclosures, enforcement of any and all of the obligations a party 
hereto may have to another party, compliance with applicable laws and/or regulations, performance or 
services provided under any agreement by a party, including without limitation disputes based on or 
arising from any alleged tort or matters involving the employees, officers, agents, affiliates, or assigns of a 
party hereto.   

 
 
 
 
 
 
 
 
 
 
If a third party is a party to a Dispute (such as a credit reporting agency, merchant accepting a credit card, 
junior lienholder or title company), each party hereto agrees to consent to including that third party in any 
arbitration or judicial reference proceeding for resolving the Dispute with that third party. 

24.1.3: JURY WAIVER. Each party waives its, his or her respective rights to a trial before a jury in 
connection with any Dispute. All Disputes shall be decided by a judge sitting without a jury, unless 
submitted to binding arbitration pursuant to Section 2 or judicial reference pursuant to Section 3. 

This Agreement includes an arbitration agreement, which will have a substantial effect on your rights in 
the event of a dispute with us.  For example, if we elect to require you to arbitrate any claim, you will not 
have the right to a jury trial or the right to participate in a class action in court of in arbitration.  However, 
the arbitration agreement does not apply if, as of the date of this agreement, you are a member of the 
armed forces or a dependent of such member covered by the Federal Military Lending Act.  Please see 
the section of this agreement labeled “Military Lending Act.” 

In any lawsuit regarding a Dispute (a “Lawsuit”), following the service of a complaint, third-party 
complaint, cross-claim or counterclaim or any answer thereto, any amendment to any of the above, or a 
ruling or entry of an order that has the effect of invalidating jury trial waiver (any of the foregoing, an “ADR 
Event”), then at any time prior to trial of the Dispute, but not later than 30 days after the ADR Event, 
any party shall be entitled to move the court for an order, as applicable: (A) compelling arbitration and 
staying or dismissing the Lawsuit pending arbitration (“Arbitration Order”) under Section 2 hereof, or (B) 
staying the Lawsuit and compelling judicial reference under Section 3 hereof.  Each party agrees that a 
party that commenced or participated in the Lawsuit may demand arbitration of a Dispute after an ADR 
Event, and that the commencement or participation in the Lawsuit shall not operate as a waiver of the 
right to compel arbitration. After entry of an Arbitration Order, the non-moving party shall commence 
arbitration. The moving party shall, at its discretion, also be entitled to commence arbitration but is under 
no obligation to do so, and the moving party shall not in any way be adversely prejudiced by electing not 
to commence arbitration. 

24.1.4: CLASS ACTION WAIVER. If permitted by applicable law, each party waives the right to litigate 
any Dispute as a class action (either as a member of a class or as a representative) or to act as a 
private attorney general. The waiver in this paragraph applies whether the proceeding is in a 
court, in an arbitration, or in a judicial reference proceeding.  

24.1.5: SURVIVAL: This Dispute Resolution Provision shall survive any termination, amendment, or 
expiration of this Agreement, or any other relationship between the parties.   

SECTION 2: AGREEMENT TO SUBMIT TO BINDING ARBITRATION (EXCEPT CALIFORNIA). This 
Section 2 is an agreement to submit to binding arbitration of any Dispute between the parties.  
This Section 2 shall not, however, apply to any Dispute pending in a state or federal court located in the 
State of California, except to the extent such Dispute may also be pending in a state or federal court 
located outside of California. 

Each party agrees that it, he or she shall have the right, but no obligation, to require any Dispute between 
the parties be resolved by arbitration. An arbitrator shall have no authority to determine matters (i) 
regarding the validity, enforceability, meaning, or scope of this Dispute Resolution Provision, or (ii) class 
action claims brought by either party as a class representative on behalf of others and claims by a class 
representative on either party’s behalf as a class member, which matters may be determined only by a 
court without a jury. BY AGREEING TO RESOLVE FUTURE DISPUTES IN ARBITRATION, THE 
PARTIES ARE WAIVING THEIR RIGHT TO LITIGATE IN COURT. 

Arbitration under this provision shall be conducted before a single arbitrator through either the National 
Arbitration Forum (“NAF”) or Judicial Arbitration and Mediation Service, Inc. (JAMS), as selected by the 
initiating party, in accordance with the rules of NAF or JAMS (the “Administrator”). However, if the parties 
agree, a licensed attorney may be selected by the parties to conduct the arbitration without an 
Administrator. If NAF and JAMS both decline to administer arbitration of the Dispute, and if the parties are 
unable to mutually agree upon a licensed attorney to act as arbitrator without an Administrator, then either 
party may file a Lawsuit and move for an Arbitration Order. The arbitrator, howsoever appointed, shall 
have expertise in the subject matter of the Dispute. Venue for the arbitration proceeding shall be as 

 
 
 
 
 
 
 
 
 
 
 
 
stated elsewhere in this Agreement with respect to any judicial proceedings between the parties. Absent 
such a provision, the arbitration shall be conducted at a location determined by mutual agreement of the 
parties or by the Administrator if no agreement can be reached. The arbitrator shall apply the law of the 
state specified in the agreement giving rise to the Dispute. 

In any arbitration commenced by a consumer regarding a consumer Dispute, Lender or Bank shall pay 
one half of the Administrator's initial filing fee, up to $500. If Lender or Bank commences arbitration or is 
the moving party obtaining an Arbitration Order, Lender or Bank shall pay all Administrator and arbitrator 
fees, regardless of whether or not the consumer is the prevailing party in such arbitration, unless such 
Dispute involves a claim for damages by a consumer and is found by the arbitrator to be frivolous. For 
this paragraph, “consumer Dispute” shall mean a Dispute involving credit or services provided by Lender 
or Bank, primarily for personal, family or household purposes, in which the claim for damages is less than 
$75,000. 

The Administrator and the arbitrator shall have the authority, to the extent practicable, to take any 
reasonable action to require the arbitration proceeding to be completed within 180 days of commencing 
the arbitration. The arbitrator: (i) will render a decision and any award applying applicable law; (ii) will hear 
and rule on appropriate dispositive motions for judgment on the pleadings, for failure to state a claim, or 
for full or partial summary judgment; (iii) will give effect to any statutory or contractual limitations period 
(e.g., any statute of limitations) in determining any Dispute or defense; (iv) shall have the authority to 
impose sanctions on any party that fails to comply with time periods imposed by the Administrator or the 
arbitrator, including, without limitation, the sanction of entering a final award against the party that fails to 
comply; (v) shall have authority to award costs and fees (including attorneys' fees and costs, arbitration 
administration fees and costs, and arbitrator(s)' fees) to the extent permitted by law; (vi) shall recognize 
and honor claims of privilege recognized at law; and (vii) with regard to motions and the arbitration 
hearing, shall apply the Federal Rules of Evidence. The doctrines of compulsory counterclaim, res 
judicata, and collateral estoppel shall apply to any arbitration proceeding hereunder. 

Commencement of an arbitration by any party shall not prevent any party from at any time (i) seeking and 
obtaining from a court of competent jurisdiction (notwithstanding ongoing arbitration) provisional or 
ancillary remedies including but not limited to injunctive relief, temporary restraining orders, property 
preservation orders, foreclosure, sequestration, eviction, attachment, replevin, garnishment, and/or the 
appointment of a receiver; or (ii) availing itself of any self-help remedies such as setoff and repossession 
rights or non-judicial foreclosure of collateral. The exercise of such rights shall not constitute a waiver of 
the right to submit any Dispute to arbitration. 

Judgment upon an arbitration award may be entered in any court having jurisdiction except that, if the 
arbitration award exceeds $200,000, any party shall be entitled to a de novo appeal of the award before a 
panel of three arbitrators. To allow for such appeal, if the award (including Administrator, arbitrator, and 
attorney’s fees and costs) exceeds $200,000, the arbitrator will issue a written, reasoned decision 
supporting the award, including a statement of authority and its application to the Dispute. A request for 
de novo appeal must be filed with the arbitrator within 30 days following the date of the arbitration award; 
if such a request is not made within that time period, the arbitration award shall become final and binding.  
On appeal, the arbitrators shall review the award de novo, meaning that they shall reach their own 
findings of fact and conclusions of law rather than deferring in any manner to the original arbitrator.  
Appeal of an arbitration award shall be pursuant to the rules of the Administrator; if the Administrator has 
no such rules, then the JAMS arbitration appellate rules shall apply. 

To request information on how to submit an arbitration claim, or to request a copy of an Administrator’s 
rules or fee schedule, please contact the Administrators as follows: JAMS: 1920 Main St., Suite 300, 
Irvine, CA 92614, Phone: (949) 224-1810, Fax: (949) 224-1818, E-mail: info@jamsadr.com, Website: 
www.jamsadr.com; NAF: National Arbitration Forum, P.O. Box 50191, Minneapolis, MN 55405-0191, 
Phone (800) 474-2371, E-Mail: info@adrforum.com, Website: www.adrforum.com. 

Arbitration under this provision concerns a transaction involving interstate commerce and shall be 
governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq.  If the terms of this Section 2 vary from the 
Administrator’s rules, this Section 2 shall control.   

 
 
 
 
 
 
 
 
 
 
 
SECTION 3: JUDICIAL REFERENCE (CALIFORNIA ONLY). If a Dispute between the parties hereto is 
filed in a state or federal court located in the State of California, each party shall have the right, but not 
the obligation, to require that it be resolved by judicial reference in accordance with California Code of 
Civil Procedure, Sections 638, et seq.. BY AGREEING TO RESOLVE DISPUTES BY JUDICIAL 
REFERENCE, EACH PARTY IS GIVING UP ANY RIGHT THAT PARTY MAY HAVE TO A JURY 
TRIAL. The referee shall be a retired judge, agreed upon by the parties, from either the American 
Arbitration Association (AAA) or Judicial Arbitration and Mediation Service, Inc. (JAMS). If the parties 
cannot agree on the referee, the party who initially selected the reference procedure shall request a panel 
of ten retired judges from either AAA or JAMS, and the court shall select the referee from that panel. If 
AAA and JAMS are unavailable to provide this service, the court may select a referee by such other 
procedures as are used by that court. The referee shall be appointed to sit with all of the powers provided 
by law, including the power to hear and determine any or all of the issues in the proceeding, whether of 
fact or of law, and to report a statement of decision. Only for this Section 3, “Dispute” includes matters 
regarding the validity, enforceability, meaning, or scope of this Section, and class action claims brought 
by either party as a class representative on behalf of others and claims by a class representative on 
either party’s behalf as a class member. The parties agree that time is of the essence in conducting the 
judicial reference proceeding set forth herein. Except as otherwise provided in this paragraph, the costs of 
the judicial reference proceeding, including the fee for the court reporter, shall be borne equally by the 
parties as the costs are incurred, unless otherwise awarded by the referee. If Lender or Bank commences 
a judicial reference proceeding regarding a consumer Dispute, Lender or Bank shall pay all referee fees, 
regardless of whether or not the consumer is the prevailing party in such proceeding, unless such Dispute 
involves a claim for damages by a consumer and is found by the referee to be frivolous.  For purposes of 
this paragraph, “consumer Dispute” shall mean a Dispute involving credit or services provided by Lender 
or Bank, primarily for personal, family or household purposes, in which the claim for damages is less than 
$75,000. The referee shall hear all pre-trial and post-trial matters (including without limitation requests for 
equitable relief), prepare a statement of decision with written findings of fact and conclusions of law and 
apportion costs as appropriate. The referee shall be empowered to enter equitable relief as well as legal 
relief, provide all temporary or provisional remedies, enter equitable orders that are binding on the parties 
and rule on any motion that would be authorized in a trial, including without limitation motions for 
summary adjudication. Judgment upon the award shall be entered in the court in which such proceeding 
was commenced and all parties shall have full rights of appeal. This provision will not be deemed to limit 
or constrain Lender’s or Bank’s right of offset, to obtain provisional or ancillary remedies, to interplead 
funds in the event of a dispute, to exercise any security interest or lien Bank or Lender may hold in 
property, or to comply with legal process involving accounts or other property held by Bank or Lender. 
Nothing herein shall preclude a party from moving (prior to the court ordering judicial reference) to 
dismiss, stay or transfer the suit to a forum outside California on grounds that California is an improper, 
inconvenient or less suitable venue. If such motion is granted, this Section 3 shall not apply to any 
proceedings in the new forum. 

This Section 3 may be invoked only with regard to Disputes filed in state or federal courts located in the 
State of California. In no event shall the provisions in this Section 3 diminish the force or effect of any 
venue selection or jurisdiction provision in this Agreement or any Related Document.  

SECTION 4: RELIANCE. Each party (i) certifies that no one has represented to such party that the other 
party would not seek to enforce a jury waiver, class action waiver, arbitration provision or judicial 
reference provision in the event of suit, and (ii) acknowledges that it and the other party have been 
induced to enter into this Agreement by, among other things, material reliance upon the mutual waivers, 
agreements, and certifications in the four Sections of this DISPUTE RESOLUTION PROVISION. 

880-0454 Rev 10/2018 
Housing Lender  

Zions Bancorporation, N.A. Member FDIC, Equal