ACCOUNT OPENING DISCLOSURES 

Interest Rates and Interest Charges 

Annual Percentage Rate (APR) 
for  Purchases 

25.90% 

This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

25.90% 

Paying  Interest 

This APR will vary with the market based on the Prime Rate. 

Your Payment 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 Account balance by the Payment Due Date each 
month. We will begin charging interest on cash advances on the 
transaction  date. 

Minimum  Interest  Charge 

None 

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. 

Fees 

Set up and Maintenance Fees 

NOTICE: Some of these set-up and maintenance fees will be assessed 
before you begin using your Card and will reduce the amount of credit 
you initially have available. Based on your Credit Limit of $750, your 
initial available credit will be $651 (or $621 if you choose to have an 
additional  Card). 

You may still reject this plan, provided that you have not yet used the 
Card or paid a fee after receiving a Monthly Billing Statement. If you do 
reject the plan, you are not responsible for any Fees or Other Charges. 

●  Annual Fee 

$99.00 

●  Additional Card Fee 

$30.00 (one time, if applicable) 

Transaction  Fees 

●  Cash  Advance 

Either $5.00 or 5% of the amount of each cash advance, whichever is 
greater. 

●  Foreign  Transaction 

3% of each transaction in U.S. dollars. 

Penalty  Fees 

●  Late  Payment 

Up to $40.00 

●  Returned  Payment 

Up to $40.00 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See 
INTEREST CHARGES below for more details. 

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your 
Cardholder  Agreement. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
INTEREST  CHARGES: 

Periodic  Rates. 

CHARGES AND FEES 

INTEREST CHARGES for purchases and cash advances are calculated at a monthly periodic rate of 2.1583%, which is 
equivalent to an ANNUAL PERCENTAGE RATE ("APR") of 25.90%. 

Variable  Rate. 

The APR may increase or decrease on the first day of the subsequent monthly Billing Cycle based on changes in the 
prime rate ("Index"). The APR is calculated by adding the amount of margin stated below to the Index. The Index is the 
prime rate published in the Money Rates section of The Wall Street Journal on the 25th day of each month. If the Index is 
not published on that day, the Index on the next business day will be used. Any increase in the APR may increase the 
amount of interest charged to your Account and the total amount you must pay, and may take the form of an increase in 
the monthly Minimum Payment. If the Index is no longer available, we will choose a new index that is based upon 
comparable information. The APR for purchases and cash advances will be determined by adding a margin of 22.65% to 
the Index. 

INTEREST CHARGES are imposed on purchases beginning on the date a purchase is posted to your Account. 
However, INTEREST CHARGES will not be imposed on purchases made in any Billing Cycle in which the previous 
balance shown on your Monthly Billing Statement is zero and you pay your new balance in full by the Payment Due Date 
shown on your Monthly Billing Statement. INTEREST CHARGES are imposed on cash advances beginning on the date 
a cash advance is obtained and continuing until the balance of your Account is paid in full. There is no time in which you 
can pay the balance of cash advances in order to completely avoid INTEREST CHARGES. 

INTEREST CHARGES for a Billing Cycle are calculated separately for purchases and cash advances. There is no 
minimum INTEREST CHARGE. The INTEREST CHARGE calculation begins on the date the transaction is posted to 
your  Account. 

For purchases, the INTEREST CHARGE is computed by multiplying the monthly periodic rate by the average daily 
balance of purchases. To determine the average daily balance of purchases, we take the beginning outstanding balance 
of purchases each day, add any new purchases, and subtract any payments and/or credits. This gives us the daily 
balance of purchases. (Any daily balance that is a credit balance is treated as zero ($0.00) balance.) Then, we add all the 
daily balances of purchases for the Billing Cycle together and divide the total by the number of days in the Billing Cycle. 
This gives us the average daily balance of purchases. 

For cash advances, the INTEREST CHARGE is computed by multiplying the monthly periodic rate by the average daily 
balance of cash advances. To get the average daily balance of cash advances, we take the beginning outstanding 
balance of cash advances each day, add in any new cash advances, and subtract any payments and/or credits that we 
apply to the cash advance balance. This gives us the daily balance of cash advances. (Any daily balance that is a credit 
balance is treated as zero ($0.00) balance.) Then, we add all the daily balances of cash advances for the Billing Cycle 
together and divide the total by the number of days in the Billing Cycle. This gives us the average daily balance of cash 
advances. 

FEES AND OTHER CHARGES: 

Your Account is subject to the following Fees and Other Charges, each of which may be charged to your Account: 

Cash Advance Fee. In addition to the INTEREST CHARGE on cash advances, there is a fee of 5% or $5.00, whichever 
is greater, for each cash advance posted to your Account that month ("Cash Advance Fee"). NO CASH ADVANCES 
ARE PERMITTED DURING THE FIRST 95 DAYS AN ACCOUNT IS OPEN.  

Additional Card Fee. Your Account will be assessed a one-time additional card fee of $30.00 for each authorized user 
you add to your Account. 

Foreign Currency Transaction Fee. Your Account will be assessed a foreign currency transaction fee equal to 3% of 
any transaction made in a foreign currency that is converted to U.S. Dollars.  

Annual Fee. Your Account will be assessed an Annual Fee of $99.00 (“Annual Fee”). The Annual Fee will be billed to 
your Account once the account is opened, and on or about your anniversary date each year. Your payment of the Annual 
Fee does not affect our right to close your Account or our ability to limit transactions on your Account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Annual Fee Renewal Refund Disclosure. We will refund the Annual Fee charged to your Account if you notify us, within 
30 days from the date of the Monthly Billing Statement on which it appears, that you wish to close your Account. 

Late Payment Fee. If we do not receive a payment from you in at least the amount of the minimum payment due 
("Minimum Payment") by the Payment Due Date shown on your Monthly Billing Statement, you will be charged a Late 
Payment Fee equal to the lesser of $29.00 or your Minimum Payment ("Late Payment Fee") in accordance with law. If 
you fail to make a timely payment in any of the six (6) Billing Cycles after the initial late payment, you will be charged 
$40.00 or the amount of the required Minimum Payment, whichever is less. We may refer to this fee as the "Late Fee" or 
"Late  Charge". 

Returned Payment Fee. If you make a payment on your Account and your check or other payment instrument (including 
an electronic funds transfer or a telephone authorized draft) is not honored for any reason or cannot be processed, we 
will charge a Returned Payment Fee equal to the lesser of $29.00 or your Minimum Payment ("Returned Payment Fee"). 
In the event a payment is returned in any of the six (6) Billing Cycles after the initial returned payment, you will be 
charged $40.00 or the amount of the required Minimum Payment, whichever is less. The charge may be imposed even if 
we elect to re-present the item and it is paid upon our re- presentment. We will not charge both a Late Payment Fee and 
a Returned Payment Fee based upon a single payment. 

OTHER  IMPORTANT  DISCLOSURES: 

Authorization. You certify that all the information given in your application is true and correct and you are giving this 
information in order to obtain credit and authorize us to obtain information concerning any statements herein. You agree to 
furnish us with all requested information. You authorize us to charge the Annual Fee and Additional Card Fee (if 
applicable) to your Account. 

         CELTIC BANK CARDHOLDER AGREEMENT 

YOUR AGREEMENT WITH US 

General Terms. This Agreement covers the terms and conditions of the Card Account ("Account"). Celtic Bank is the Card 
issuer and assigns its rights for servicing and other rights to Continental Finance Company ("Continental Finance") after 
Card issuance. 

You agree to be bound by the following terms and conditions, which shall constitute an agreement between you and us. 
Furthermore, by accepting and using the Card, or paying any INTEREST CHARGES, Fees, or Other Charges, whichever 
comes first, you expressly agree to be bound by the provisions of this Agreement and the rates and charges for use of  
the Card, including as set forth under the "Charges and Fees" provisions, which are hereby expressly incorporated by 
reference into this Agreement. In this Agreement, "we", "us", and "our" refer to Celtic Bank as the issuer of the Card and 
Continental Finance as servicer, and each of their respective agents, authorized representatives, successors and 
assignees "Agreement" means this Cardholder Agreement. The words "you" and "your" mean the person who applied for 
the Account and each person to whom we issue a Card at the applicant's request or who uses a Card with the applicant's 
consent ("Additional Card or Authorized User"). The word "Card" means your credit card. 

Please read this Agreement carefully and save it for future reference. It contains important state and federal disclosures, 
including Regulation Z disclosures and disclosures regarding your rights in case of errors or inquiries about your bill and 
important provisions relating to arbitration and litigation. 

Applicable  Law. 

This Agreement and your Account, and any claim, dispute or controversy (whether in contract, tort, or otherwise) at any 
time arising from or related to your Account, this Agreement or any transferred balances, are governed by and construed 
in accordance with applicable federal law and, to the extent not preempted by federal law, by the laws of Utah (without 
applying its choice-of-law rules). The formation, legality, enforceability, and interpretation of this Agreement, and any 
amounts contracted for, charged and received under this Agreement, will be governed by such laws. This Agreement is 
entered into between you and us in Utah, regardless of the state of your residence or whether or not your Account or 
Card is used in Utah. Our decisions regarding the extension of credit to you are made in the State of Utah. Federal and 
Utah law will also apply to any controversy, claim, or dispute arising from or relating in any way to the subject matter of 
this Agreement and your Account, including, without limitation, statutory, equitable, and tort claims. 

Federal law provides important protections to members of the Armed Forces and their dependents 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). To be 
provided with an oral disclosure of this information, please call toll-free 1-866-449-4514. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Effective Date: This Agreement is effective upon the earlier of your acceptance and use of the Card to make a purchase 
or to receive a cash advance, or your payment of INTEREST CHARGES, Fees or Other Charges. You may reject this 
Card, provided that you have not yet used the Card or paid INTEREST CHARGES, Fees, or Other Charges after 
receiving a Monthly Billing Statement. If you reject the Card, you are not responsible for any INTEREST CHARGES, 
Fees or Other Charges. Notwithstanding anything to the contrary in this Agreement, if you are a resident of the State of 
New York, this Agreement is effective upon your acceptance and use of the Card. 

Changes in Agreement Terms. We can change any term of this Agreement, including the rate at which or manner in 
which INTEREST CHARGES, Fees, and Other Charges are calculated, in our sole discretion, upon such notice to you as 
is required by law. At our option, any change will apply both to your new activity and to your outstanding balance when  
the change is effective as permitted by law. 

Binding Effect. This Agreement is binding upon and enforceable against your heirs, legal representatives, and 
successors. 

Severability. If any provision of this Agreement, including any portion of the Arbitration Provisions set forth below, is 
determined to be invalid or unenforceable under any rule, law, or regulation, the validity or enforceability of any other 
provision of this Agreement shall not be affected, and in lieu of such invalid or unenforceable provision there shall be 
added automatically, as part of this Agreement, a provision as similar in terms as may be valid and enforceable, if 
possible. Notwithstanding the foregoing, if a class action litigation or a class-wide arbitration is permitted for any reason, 
either party may require that the entire Dispute, as defined in the Arbitration Provision below, be heard by a judge, sitting 
without a jury, under applicable court rules and procedures. 

Entire Agreement. This Agreement, together with your Application, constitutes the final and complete credit agreement 
between you and us relating to your Account and supersedes and may not be contradicted by evidence of any prior, 
contemporaneous, or subsequent oral credit agreement between you and us relating to your Account. 

USING YOUR CARD 

Sign Your Card. To avoid unauthorized use of your Card, please sign the back of your Card immediately. 

General Use. You may use your Card and your Account to make purchases if your Account is in good standing and you 
have available credit. Your Card and Account may be used only for valid and lawful purposes. If you or an Authorized 
User uses your Card and Account for any other purpose, you will be responsible for the use and may be required to 
reimburse us for all amounts or expenses we pay as a result of the use. No cash advances are permitted within the first 
ninety five (95) days after an Account is open. After ninety five (95) days have elapsed from Account opening, you may 
obtain cash advances (See Cash Advance Fee section). You may not use the Card or your Account for any illegal 
transaction or any gambling transaction. We will decline identifiable gambling transactions. We may impose restrictions 
on your Account at any time as determined to be necessary by us in connection with our efforts to detect fraud or 
unauthorized use, including restrictions on (a) the number of transactions allowed per day; (b) the dollar amount of 
transactions approved; (c) your ability to obtain cash advances; and (d) your ability to use your Card at an automated 
teller machine ("ATM"). 

If you give your Account number to make a purchase or obtain a cash advance without presenting your Card (such as for 
a mail order, telephone, or Internet purchase), the legal effect will be the same as if the Card was present. 

You may also use your Card and a personal identification number ("PIN") to obtain cash advances at an ATM, if we, at 
our option, issue you a PIN. ATM transactions are treated the same as cash advances. We may restrict your access to 
any ATM at any time. You should not keep your PIN with your Card. If you believe that anyone has gained unauthorized 
access to your PIN, you should advise us immediately by following the procedures under the heading "Lost or Stolen 
Card." 

Your Responsibility for Authorized Users. If another person is given access to your Account and/or Card with your 
express or implied permission, notwithstanding the provision above, that person is an Authorized User, even if we did not 
issue an additional Card in the Authorized User's name. At your request, and if we agree, we may issue an additional 
Card in the name of an Authorized User with your Account number. You will be responsible for all charges, cash 
advances, INTEREST CHARGES, purchases and Fees incurred by any Authorized User. We are not required to try to 
obtain payment from any Authorized User before requiring payment from you. 

If you wish to remove an Authorized User from your Account you must contact us either by telephone or in writing. You 
will still be responsible for payment of all purchases, cash advances, INTEREST CHARGES and Fees incurred or 
obtained by the Authorized User. We may close your existing Account and issue you a new Card and Account number. 

Lost or Stolen Card. If you notice the loss or theft of your Card or a possible unauthorized use of your Card, you should 
write to us immediately at: Continental Finance, P.O. Box 3220, Buffalo, NY 14240-3220, or call us at 1-800-556-5678 
. You will not be liable for any unauthorized use.  

Refusals to Honor Card/Rejection of Transactions. We are not responsible if any financial institution, merchant, or 
other person refuses to honor your Card. Except as otherwise required by law or regulations, we will not be responsible 

 
 
 
 
 
 
 
 
 
 
 
 
 
for merchandise or services purchased through your Card. Also, we may reject any transaction for any reason. 

USING YOUR ACCOUNT 

Accessing Your Credit Line. You can use the Card and your Account to make purchases and obtain cash advances. 
Upon your request, you may be assigned a PIN. If a PIN is assigned to you, you may obtain a cash advance, any time 
after ninety five (95) days after Account opening, at any authorized ATM that bears the Mastercard® acceptance mark by 
using the Card and PIN. You should keep your PIN secure and not write it down, give it to anyone or keep it with your 
Card. Contact us immediately if someone has gained unauthorized access to your Card(s). 

Understanding Your Credit Limit. Your "Credit Limit" is the maximum amount of credit we have approved for your 
Account. The amount of your Credit Limit is disclosed in the "Account Opening Disclosures" section of this Agreement 
and on your Monthly Billing Statements. You are responsible for keeping track of your Account balance and your Credit 
Limit. Your Account balance may not exceed your Credit Limit at any time. Decisions on Credit Limit Increases will be in 
accordance with federal law. We reserve the right to approve or deny authorizations or transactions from any merchant at 
our sole discretion. 

Network Outages. From time to time, due to circumstances beyond our control (such as fires, floods, earthquakes and 
other natural disasters and unpredictable events), our services may be unavailable. We will not be responsible or liable if 
this  happens. 

UNDERSTANDING  YOUR  PAYMENTS 

Your Promise to Pay, Cut-Off Time, Form of Payments. You promise to pay to us all amounts advanced to you as a 
purchase or a cash advance (including amounts advanced for Authorized Users) under this Agreement, plus all 
INTEREST CHARGES and Fees assessed on those amounts and all other charges, costs, and Fees which are applied  
to your Account. All payments must be made in U.S. dollars, and all checks or other items tendered in payment must be 
drawn on United States financial institutions. Payments must be made to Continental Finance at the address shown on 
the Monthly Billing Statement ("Mail Payments To" address") and must be received by Continental Finance no later than 
5:00 p.m., prevailing Eastern Time on the date on which they are due. Payments made at a branch or office of Celtic Bank 
or Continental Finance prior to the close of business at the branch or office shall be considered received on the day the 
payment is made at such location. 

Payment Due Date. The Payment Due Date will be at least twenty-five (25) days after the Billing Cycle closing date 
("Payment Due Date"). Payments will be credited to your Account as of the day of receipt if they are made in accordance 
with our instructions. Your Payment Due Date will be the same day each month. If the Payment Due Date falls on a 
weekend, holiday or other day on which we do not receive payments, the Minimum Payment Due plus any other payment 
must be received no later than 5:00 p.m. prevailing Eastern Time on the next business day we receive payments. 

Amount of Payment. You may pay any or all of the amounts you owe at any time without penalty, but you must pay at 
least the Minimum Payment Due each month on or before the Payment Due Date. 

Minimum Payment Due: 

●  If the New Balance shown on your Monthly Billing Statement is less than or equal to $35.00, the Minimum Payment 

Due equals the New Balance. 

●  If your New Balance exceeds $35.00, the Minimum Payment Due equals the greater of 4.00% of the New Balance 

or $35.00, plus any Late Payment Fee assessed in the current Billing Cycle plus any past due amounts, not to 

exceed your Account balance. 

Applying of Payments. Payments in excess of the Minimum Payment Due are applied in accordance with law. 

Availability of Credit and Payment Holds. Generally, payments are credited to your Account on the day they are 
received. Available credit created as a result of payments posted to your Account may not be available for up to seven 
(7) days, or longer if circumstances warrant an additional hold, or if we deem ourselves at risk for any reason. If you use 
a payment service provided by a third party to deliver your payment to us, that third party may charge you a fee for such 
service; such third party fees will not be billed to your Account. Credit to your Account may be delayed up to five (5) days 
if payment is (a) not received at the Payment Address or (b) not accompanied by the payment coupon portion of your 
Monthly Billing Statement. Delayed crediting may result in Late Fee and additional INTEREST CHARGES and Fees 
being applied to your Card. 

Direct Debit. You may choose, subject to our approval, to make a payment by means of a direct debit or charge to any 
deposit, savings, or credit account of yours ("Payment Account"). By requesting that we process a payment by direct 
debit or charge to your Payment Account, you hereby authorize us, at our option, to debit your Payment Account by

 
 
 
 
 
 
 
 
 
 
 
 
 
means of an electronic transaction or to submit a paper check or draft to your financial institution, consistent with your 
instructions. 

Electronic Check Presentment. If you pay by check, you are authorizing us to use information on your check to make 
a one-time electronic debit from your account at the financial institution indicated on your check. This electronic debit 
will   be for the amount of your check; no additional amount will be added to the electronic debit. We will process your 
payment using the Automated Clearing House ("ACH") system. Electronically processed and/or presented checks (and 
checks presented electronically) are not returned to you by your financial institution, bank or credit union. We will retain 
an image of your electronically processed check as required by law. A copy of the check can also be retrieved by 
contacting your financial institution. Please contact the Customer Service Department at the telephone number on your 
Monthly Billing Statement to learn about other payment options. 

Irregular Payments and Delay in Enforcement, Waivers and Releases. We may accept late payments, partial 
payments, checks, and money orders marked "paid in full" or language having the same effect, without losing any of our 
rights or legal defenses. All written communications concerning disputed amounts, including a check or other payment 
instrument that (a) indicates that the payment constitutes "payment in full" or is otherwise tendered as full satisfaction of 
a disputed amount, or (b) is tendered with other conditions or limitations, must be marked or delivered to us at the 
address for “Send Correspondence To” shown on your Monthly Billing Statement, not the payment address. You waive 
presentment for payment, notice of non-payment, and you agree to any extensions of time of payment and partial 
payment before, at, or after  maturity. 

MONTHLY BILLING STATEMENTS, OTHER INFORMATION AND COMMUNICATION FROM US 

When We Send Monthly Billing Statements. We will promptly send a Monthly Billing Statement at the end of each 
monthly Billing Cycle if your Account has a debit or credit balance greater than $1.00 or if an INTEREST CHARGE or 
Fee has been imposed. 

Where We Send Your Monthly Billing Statement. We will send Monthly Billing Statements and any other notices to  
you at the address shown in our files. You agree to notify us promptly of any change in your address. We may accept 
address changes or corrections from the United States Postal Service. We may also mail Monthly Billing Statements 
and other communications to you at any address we determine to be an address at which you can receive mail. If you 
elect to receive Monthly Billing Statements and other communications electronically, we may send those Monthly 
Billing Statements and communications as directed by you. 

Understanding Your Monthly Billing Statement. The Monthly Billing Statement will show the Previous Balance, 
purchases and cash advances posted during the Billing Cycle, any INTEREST CHARGES, Fees and Other 
Charges, and all payments, debits, and credits to your Account through the Billing Cycle Closing Date. It will also 
show, among other things, your New Balance, the Minimum Payment Due, and the Payment Due Date (which will be 
at least twenty- five (25) days after the Billing Cycle Closing Date and will be the same day every month). 

You agree to review your Monthly Billing Statement promptly and to report any erroneous entries on such Monthly 
Billing Statement. You are obligated to report erroneous entries within 60 days after we mail or otherwise make the 
Monthly Billing Statement available to you. If you do not report the erroneous entries within the timeframe, the entries 
on your Monthly Billing Statement and the corresponding Account balance will be presumed to be correct. This means 
we will have no liability to you for transactions appearing on your Monthly Billing Statement. If you dispute a transaction 
made by you or someone else on your Account and we later credit your Account for all or part of the disputed amount, 
you will give us all of your rights against that other person. You also agree to give us any merchandise associated with 
the disputed transaction and to help us in our efforts to seek reimbursement (including, but not limited to, providing 
documents). 

Your Consent to Automated-Dialer and Pre-recorded Calls and Text Messages. By providing us with a telephone 
number(s), at any time, you consent and authorize us to contact you regarding your Account at such number(s) using 
any lawful means of communication, including, but not limited to calls placed to your cell, mobile or other phone using 
an automated dialing service, pre- recorded messages or text messages. Standard text messaging and/or calling 
charges imposed by your provider may apply. You do have the option to opt out of receiving communications at that 
number any time thereafter by contacting us at [the customer service telephone number provided on your 
statement], or sending written notice to us to the following address: [Celtic Bank, c/o Continental Finance 
Company, P.O. Box 3220, Buffalo, NY  14240-3220].  You must retain proof of delivery.  If you send 
communications to any other address, we may not process your request. 

E-mail. By providing us with your e-mail address, you agree to receive correspondence electronically from us and 
our affiliates and service providers. We may communicate with you by e-mail for any lawful or business purpose. 

Call Monitoring.  We may monitor and record any calls between you and us. 

Notices.  We may send any notices to the address you gave us, or, if you have agreed, by email to the address you gave 
us.  If you have multiple addresses, we will send notices to only one such address.  We consider a notice sent as soon as 
we mail it.  We consider an electronic notice sent as soon as we email it, unless we receive notification that the email was 
undeliverable. 

 
 
 
 
 
 
 
 
 
Events of Default. You will be in default of this Agreement if any of the following occur on this or any other Account 
you have with us: 

DEFAULT  PROVISIONS 

●  You do not pay at least the Minimum Payment Due on your Account on or before the Payment Due Date. 

●  You die or become legally incompetent. 

●  A bankruptcy or other insolvency proceeding is filed by or against you. 

●  You exceed or attempt to exceed your Credit Limit. 

●  You provide us with or have provided us with false or misleading information or signatures at any time. 

●  You fail to comply with this Agreement. 

●  You fail to make any payment or perform any promise in any agreement or obligation you have with us. 

●  Any judgment, lien, attachment or execution is issued against you or your property. 

●  You request an excessive number of replacement Cards. 

●  We reasonably believe you will not pay amounts owed to us for any reason. 

●  You permanently reside outside of the United States. 

If You Are In Default: Upon your default of this Agreement, we have all remedies provided by law including, 
without limitation, and without prior notice or demand (except as required by Applicable Law), the right to: 

●  Deny use of your Account. 

●  Close or refuse to renew your Account. 

●  Demand the return of your Card(s). 

●  Declare your entire Account balance immediately due and payable. 

●  Increase your Minimum Payment. 

●  Initiate collection activity. 

●  Not replace your Card(s). 

●  Reduce your Credit Limit. 

●  Pursue any action against you permitted by law. 

Collection Costs. To the extent permitted by law, you must pay all court and collection costs, including reasonable 
attorneys' fees that we incur as a result of your default. A contingency or hourly arrangement established by us with 
an attorney or collection agency to collect an Account in default is presumed prima facie reasonable. 

CLOSING  YOUR ACCOUNT 

We May Close or Suspend Your Account. We may terminate your privileges under this Agreement or cancel or 
limit your privileges to make purchases or obtain cash advances at any time, with or without cause, subject to 
applicable notice  requirements. 

You May Close Your Account. You may terminate your Account at any time by notifying us by telephone or in 
writing. Whether your Account was terminated by us or by you, you promise that any amounts that you owe us at the 
time of termination, plus any new purchases or cash advances, as well as any INTEREST CHARGES, Fees and 
Other Charges that will continue to be imposed at the rates specified in this Agreement, will be repaid according to 
this Agreement. You agree that you will not try to make any purchases or obtain cash advances after you have been 
notified that your privileges to use your Account have been canceled. You may terminate this Account at any time. In 
order to terminate your Account, you must either call us or give us written notice of your intent to terminate your 
Account at the address for “Send Correspondence To” shown on your Monthly Billing Statement, and pay your 
outstanding Account balance in full. Your notice of termination will become effective as soon as we can reasonably 
act on it. If you request that we terminate your Account, but do not pay your outstanding Account balance in full, your 
credit privileges will be terminated. 

Account Non-Use, Inactivity and/or Closure. In connection with the initial opening of your Account (but not in 
connection with renewing the Account or replacing Cards that have been used for transactions to the Account), if you 
have not made a payment, and either: (1) you do not activate your Card, or (2) you activate your Card but do not use  
your Account for a purchase or cash advance, we may unilaterally close your Account and terminate your right to use 
the Card or obtain credit, subject to any limitations under Applicable Law. If we close the Account in accordance with 
this paragraph, all Fees posted to your Account will be reversed. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Initial Fees Refund Disclosure. You may still reject this plan, provided that you have not yet used the Account or paid 
INTEREST CHARGES, Fees or Other Charges after receiving a Monthly Billing Statement. If you do reject the plan, 
you are not responsible for any INTEREST CHARGES, Fees or Other Charges. 

OTHER TERMS AND CONDITIONS 

Binding Effect Upon Death or Incompetency. If we pay a merchant or financial institution for a purchase or post a 
cash advance to your Account before we receive actual written notice of your death or incompetence, or if we pay a 
merchant or financial institution for a purchase made by you or post a cash advance taken by you prior to your death or 
incompetence, that transaction will be a valid and binding Account obligation upon you, your estate and your personal 
representatives. 

Our Liability To You. Neither Celtic Bank nor Continental Finance will have any liability to you other than as provided in 
the Agreement and these terms and conditions. Unless imposed by law, neither Celtic Bank nor Continental Finance will 
be liable for any indirect, punitive, incidental, special or consequential loss or damages with respect to this Agreement. 

Notices. We will send Monthly Billing Statements and any other notices to you at the address shown in our files. If you 
choose to receive Monthly Billing Statements electronically, we will send them and any other notices to you at the 
email address shown in our files. You promise to inform us promptly in writing of any change in your address or email 
address. Any written notice from you to us must be sent to us at Continental Finance, P.O. Box 3220, Buffalo, NY 
14240-3220 or to such other address as we may give you, and shall be effective when received by us at such address. 
In determining your last known address, we can accept address corrections received from the U.S. Postal Service. 

Credit Limit Increases. Your Account will be reviewed for a Credit Limit Increase in accordance with applicable law 
after your Account has been open for at least 6 months. In order to receive a Credit Limit Increase, you must qualify for 
and elect to receive such increase. Each Credit Limit Increase may vary in size but will be subject to a maximum Credit 
Limit of $2,000.00. Each Credit Limit Increase will appear on your Account no later than one (1) month after you have 
qualified for such increase. We may change the criteria applied to determine your eligibility for a Credit Limit Increase 
at any time in our sole discretion in accordance with Applicable Law. In addition, we may elect, in our sole discretion, 
to modify or discontinue the practice of granting Credit Limit Increases. 

Foreign Currency Conversion Rate. If you effect a transaction at a merchant that settles in a currency other than U.S. 
dollars, the transaction amount will be converted into U.S. dollars at a government-mandated exchange rate, or a 
wholesale exchange rate. The government-mandated exchange rate or wholesale exchange rate is the rate selected for 
the applicable currency on the day the transaction is processed, which may differ from that applicable to the date the 
transaction occurred or when it is posted to your Account. 

Call Monitoring/Recording. You authorize us and any third party servicing your Account to listen to and record 
telephone calls with you to evaluate the quality of service or for any other lawful purpose, if permitted under Applicable 
Law. 

Sale/Assignment/Transfer. We may sell, assign, or transfer all or any portion of your Account or any Account 
balances due under your Account without prior notice to you. You may not sell, assign, or transfer your Card or your 
Account or any of your obligations under this Agreement. 

Use of Information about You and Your Account. Because you applied for a Card, we are entitled under Applicable 
Law, including the Fair Credit Reporting Act, to obtain information about you from a credit reporting agency. We may 
also verify your credit references and other information that you provide to us. We may obtain updated or additional 
information about you, including consumer reports, from time to time for any legitimate purpose including, but not 
limited to, the extension of credit to you or the review or collection of your Account. We will report late payments, 
missed payments, or other defaults on your Account to credit bureaus. 

You understand to prevent the funding of terrorism and money laundering, the United States Government requires 
financial institutions obtain, verify and retain certain cardholder information, such as your name, address, date of birth  
and other identifying information including your driver's license or other government-issued ID, to allow us to confirm 
your identity. We will retain this information. With respect to information about you and your Account that is covered by 
our privacy policy, we will use such information in accordance with the terms of the Privacy Policy. 

How to Contact Us. For general inquiries and correspondence we can be reached in writing at: Continental 
Finance, P.O. Box 3220, Buffalo, NY 14240-3220. Or, you can call our Customer Service Department at 1-866-449-
4514. Automated Account information is available 24 hours a day, 7 days a week with representatives available 
Monday — Friday between the hours of 7:00 a.m. to 10:00 p.m. and Saturday between the hours of 9:00 a.m. to 4:00 
p.m., Eastern Time. Payments should be mailed to the address listed on your Monthly Billing Statement. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
YOUR BILLING RIGHTS 

KEEP THIS NOTICE FOR FUTURE USE 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Monthly Billing Statement. 

If you think there is an error on your Monthly Billing Statement, write to us at:  

Continental Finance 
P.O. Box 3220 
Buffalo, NY 14240-3220 

In your letter, give us the following information: 

●  Account information: Your name and Account number. 

●  Dollar amount: The dollar amount of the suspected error. 

●  Description of problem: If you think there is an error on your Monthly Billing Statement, 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 Monthly Billing Statement. 

●  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the 

amount you think is wrong. 

You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate 
any potential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 

1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we 
have already corrected the error. 

2. Within 90 days, of receiving your letter, we must either correct the error or explain to you why we believe the 
Monthly Billing Statement 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 Monthly Billing Statement, and we may continue to charge you 

INTEREST CHARGES on that amount. 

●  While you do not have to pay the amount in question, you are responsible for the remainder of your 

Account balance. 

●  We can apply any unpaid amount against your Credit Limit. 

After we finish our investigation, one of two things will happen: 

●  If we made a mistake: You will not have to pay the amount in question or any INTEREST CHARGES, Fees 

or Other Charges related to that amount. 

●  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable 

INTEREST CHARGES, Fees and Other Charges. We will send you a Monthly Billing 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 Monthly Billing Statement 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 Monthly Billing Statement. We must tell you the name of anyone to whom we reported you as 
delinquent, and we must let those organizations know when the matter has been settled between us. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if 
your Monthly Billing Statement 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 have been made in your home state or within 100 miles of your current mailing address, and 
the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based 
on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 

2. You must have used your Card for the purchase. Purchases made with cash advances from an ATM or with a 
check that accesses your Account do not qualify. 

3. You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:  

Continental Finance 
P.O. Box 3220 
Buffalo, NY 14240-3220 

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. 

STATE  DISCLOSURES 

California Residents. A married applicant may apply for a separate Account. As required by law, you are hereby 
notified that a negative credit reporting reflecting on your credit record may be submitted to a Consumer Reporting 
Agency if you fail to fulfill the terms of your credit obligations. After credit approval, each applicant shall have the right 
to use the Account up to the limit of the Account. Each applicant may be liable for amounts extended under the plan to 
any joint applicant. 

Delaware Residents. Service charges not in excess of those permitted by law will be charged on the outstanding 
Account balances from month to month. 

Kentucky Residents. You may pay the unpaid balance of your Account in whole or in part at any time. 

New York and Vermont Residents. We may obtain a consumer report for any legitimate purpose in connection with 
your Account or your application, including but not limited to reviewing, modifying, renewing and collecting on your 
Account. Upon your request, we will inform you of the names and addresses of any Consumer Reporting Agencies 
that have furnished the reports. New York residents may contact the New York State Banking Department (1-800-342-
3736) to obtain a comparative list of credit card rates, fees and grace periods. 

Ohio Residents. The Ohio laws against discrimination require that all creditors make credit equally available to all credit 
worthy customers, and that Consumer Reporting Agencies maintain separate credit histories on each individual upon 
request. The Ohio Civil Rights Commission administers compliance with this law. 

Married Wisconsin Residents. No provision of any marital property agreement, unilateral statement, or court order 
applying to marital property will adversely affect a creditor's interests unless prior to the time credit is granted, the 
creditor is furnished with a copy of the agreement, statement, or court order, or has actual knowledge of that provision. 

ARBITRATION  PROVISION 

PLEASE READ CAREFULLY: This Arbitration Provision (the "Provision") waives any right to file claims in 
court, other than a small claims court, or to participate in a class action or other consolidated proceeding. 

CARDHOLDERS COVERED BY THE MILITARY LENDING ACT. Notwithstanding any other provision of  this 
Agreement, if you are a “covered borrower” under the Military Lending Act, as defined in at 32 CFR § 
232.3(g), the Arbitration Provision does not apply to you. 

Unless you opt out of this Provision in the manner set forth below in subpart (p), any claim that arises out of or in any 
way relates to the Agreement, your Account, or this Provision (the “Claim(s)”) shall be resolved exclusively by binding 
bilateral arbitration in accord with the following: 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
a)  This Provision is contained in a contract evidencing interstate commerce and is governed by the Federal 
Arbitration Act, 9 U.S.C. Sections 1-16. 

b)  Arbitration in accordance with this Provision shall be conducted by the American Arbitration Association 
("AAA") by a single arbitrator (the “Arbitrator”) using the applicable rules and procedures established by the AAA for 
expedited consumer arbitration. To the extent any of the AAA's rules and procedures contradict the express terms of 
the Provision, the Provision shall control and the contradictory portions of the AAA's rules and procedures shall not 
apply. 

c)  The Arbitrator shall enforce the Applicable Law in the Agreement and shall honor applicable statutes of 
limitations and claims of privilege. The Arbitrator may award any relief available under Applicable Law. 

d)  You or we may choose to have a hearing, appear at any hearing by phone or other electronic means, and/or 
be represented by counsel. Any in-person arbitration hearing or proceeding shall be held in the same city as the 
U.S. District Court closest to your billing address unless you and we agree otherwise. 

e)  The Arbitrator has no authority to conduct class, joint, private attorney general  or consolidated arbitration 
proceedings on any Claim, and may award relief only on an individual basis.  If you assert a Claim against us, we 
can choose to arbitrate.  Claims brought as part of a class action, or any other representative action can be 
arbitrated only on an individual basis.  If arbitration is chosen by any party, neither you nor we may pursue a Claim 
as part of a class action or other representative action.  Claims of two (2) or more persons may not be combined in 
the same arbitration. 

Except as may be required by law, neither a party nor its representatives may disclose the existence, content, or 

f) 
results of any arbitration hereunder without the prior written consent of all parties.  No arbitration award involving the 
parties will have any preclusive effect as to issues or claims in any dispute involving anyone who is not a party to the 
arbitration, nor will an arbitration award in prior disputes involving other parties have preclusive effect in an arbitration 
between the parties to this Provision. 

g)  Regardless of who asserts a Claim[s], we shall advance your portion of the arbitration filing and hearing fees. If 
we prevail in arbitration, the Arbitrator may require you to reimburse us for any filing and hearing fees that we 
advanced on your behalf provided that the total filing and hearing fees paid by you shall not exceed the court costs 
you would have paid in a comparable state court action. This subpart (g) shall not affect attorney's fees or costs, 
including witness or expert witness' fees or costs. You shall be responsible for your own attorney's fees and costs. 

If permitted by Applicable Law, the Arbitrator may award reasonable attorney's fees and costs to the 

h) 
party who substantially prevails in arbitration. 

In the event the AAA or its rules and procedures are unavailable for any reason, you or we may ask a court to 

i) 
appoint a substitute Arbitrator to arbitrate under comparable rules and procedures. The unavailability of the AAA or its 
rules and procedures shall not render the Provision unenforceable. 

The Provision covers any Claim arising out of or in any way relating to the Provision itself. All issues of arbitrability 

j) 
must be arbitrated, including but not limited to whether the Provision is enforceable or applicable. 

k)  The Provision remains in full force and effect unless you opt out of the Provision in accordance with subpart (p) or 
you and we otherwise agree in writing to set the Provision aside. The Provision survives, for example but without 
limitation, the cancellation or termination of the Agreement or your Account, the satisfaction of any obligations under 
the Agreement or your Account, the transfer, sale, or assignment of the Agreement or your Account or any rights under 
either, and the bankruptcy of any party. 

Each of the following persons or entities is an intended beneficiary of the Provision and may enforce the Provision 

l) 
in full with respect to any claims between such persons or entities on the one hand and you on the other hand that 
arise out of or in any way relate to the Agreement or the Provision: Continental Finance and any of its or our past, 
present, and future employees, agents, principals, representatives, directors, officers, shareholders, governors, 
managers, members, parent companies, subsidiaries, affiliated entities, partners, licensees, attorneys, predecessors, 
successors, joint venturers, contractors, assigns, designees, servicers, and "service providers" (defined as any third 
party providing us or any of the foregoing entities or persons any goods or services that arise out of or in any way 
relate to the Agreement or the  Provision). 

m)  The Provision may be enforced by or against any person or entity purporting to bring Claims on your behalf, 
including but not limited to any agent, representative, guardian, or trustee. The Provision may also be enforced by or 
against any person or entity who acquires any right or interest that, but for the transfer of the right or interest, would 
have belonged to us or an intended beneficiary of the Provision. 

n)  You and we shall retain the right to bring in the small claims court for the county of your residence any claims that 
are within the small claims court's jurisdiction. Any appeal or other review of a small claims court judgment or order 
shall be undertaken exclusively by arbitration in accordance with the Provision. 

 
 
 
 
 
 
 
 
 
 
 
 
 
o) 
if any part of the Provision is found unenforceable, subject to any rights to judicial and/or appellate review the 
offending part shall be severed and the balance of the Provision shall remain in effect and shall be construed in light of 
the express intent of you and us to resolve all claims on a bilateral basis in binding arbitration, except that: (A) if all or 
any portion of subpart (e) is declared invalid in a proceeding between you and us, without in any way impairing the right 
to appeal such decision, this entire Provision (other than this sentence) shall be null and void in such proceeding; and 
(B) if a claim is brought seeking public injunctive relief and a court determines that the restrictions in subpart (e) or 
elsewhere in this Provision prohibiting the arbitrator from awarding relief on behalf of third parties are unenforceable with 
respect to such claim (and that determination becomes final after all appeals have been exhausted), the claim for public 
injunctive relief will be determined in court and any individual claims seeking monetary relief will  be arbitrated.  In such a 
case the parties will request that the court stay the claim for public injunctive relief until the arbitration award pertaining to 
individual relief has been entered in court. 

p)  You may opt out of this Provision by sending written notice to us of your decision to opt out. Notice must be sent 
by United States Postal Certified Mail, Return Receipt Requested, to the following address: Celtic Bank, c/o Continental 
Finance Company, P.O. Box 3220, Buffalo, NY 14240-3220. The notice must be postmarked no later than 30 days 
after the date of your Agreement. You must retain proof of receipt. Your opt out notice must state that you reject the 
arbitration Provision and include your name, address, Account number and personal signature.  No one else may sign the opt out 
notice.  Your opt out notice will not apply to the arbitration provision(s) governing any other account(s) that you have or had with us.  
Your decision to opt out will not affect our decision to continue to extend credit to you under the Agreement. 

Mastercard® and the Mastercard acceptance mark and service marks used by Celtic Bank under license from 
Mastercard  International. 

3/25/2020