Creating Opportunities

(cid:37)(cid:37)(cid:57)(cid:36) Credit Card & Security Agreement(cid:1)RETAIL
INSTALMENT CREDIT AGREEMENT 
Open-End  Credit  Agreement
(May Not Be Available  to Residents  of All States)

Thank you for choosing  (cid:37)(cid:37)(cid:57)(cid:36)!  This Agreement  contains  the current  terms and conditions  of your Account.  Your Application,
Card Mailer,  and any other document  we provide  you that indicates  it is part of, or amends this Agreement,  are also 
incorporated  into and made part of this Agreement.  Keep them for your records.  Please  read this Agreement,  including  the 
pricing  information,  carefully.  A "Definitions"  section  is at the end of this Agreement.

TABLE OF CONTENTS

GETTING STARTED
USING YOUR ACCOUNT
INTEREST
FEES
PAYMENTS
ABOUT OUR RELATIONSHIP
OTHER IMPORTANT INFORMATION
DISPUTE RESOLUTION
DEFINITIONS
YOUR BILLING RIGHTS

GETTING STARTED

ACCEPTANCE OF THIS AGREEMENT

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Subject  to applicable  law,  you accept this Agreement  by using or permitting  another  person to use the Account.  New York 
Residents: This Agreement  begins on the first  day that you or someone authorized  by you signs or otherwise  accepts  a 
sales slip or memorandum  as evidence  of a transaction  on your Account  and, until  then,  you will  not be responsible  for any 
purchase  or lease of property  or services  by use of the Card after  its loss or theft.

We accepted  this Agreement  in Alabama.  This Agreement includes an arbitration section entitled, "Dispute Resolution."

PROMISE TO PAY

You promise  individually  and jointly  to pay us for all amounts  due on your Account.  This includes  any illegal  or 
internet/online  gambling  transactions  you make.

SECURITY AGREEMENT (Applicable only to Optimizer Card)

To have an Optimizer  Card Account,  we require  you to also have a savings  account  with us. In this Agreement,  we call this 
savings  account  the "Collateral  Account."  You give us a security  interest  in the Collateral  Account.   You must keep at least 
$500.00 in the Collateral  Account.  You also give us a security  interest  in all additions  to and all proceeds  of the Collateral 
Account.  The Collateral  Account  is held by us as security  for your promise  to pay under this Agreement.  You may not 
withdraw  any funds from the Collateral  Account.  You may not give a security  interest  or transfer  any other interest  in the 
Collateral  Account  for any reason.  Any attempt  to give a security  interest  or transfer  any other interest  in the Collateral 
Account  will  be ineffective  and void.  We may provide  special  instructions  and requirements  for deposits  to the Collateral 
Account.  If you do not follow  those instructions  or requirements,  we will  have no liability  for any delay or failure  in 
depositing  any funds to the Collateral  Account.  You may not close the Collateral  Account  until  all amounts  owed under this 
Agreement  have been fully  paid and you no longer  have any right  to use your Account.  If you are in default  under this 
Agreement  or your Account  is closed for any reason,  we may, immediately  and without  giving  you notice:  (1)  apply part or 
all of the funds in the Collateral  Account  to any amount you owe under this Agreement;  and (2) retain  any funds in the 
Collateral  Account  for up to 60 days in order to cover any transactions,  fees or charges  relating  to use of the Account 
before  it was closed.  In the event of a conflict  between  the terms of this Agreement  and those of the Collateral  Account 
agreement,  the terms of this Agreement  will  apply.

CHANGING THIS AGREEMENT

The rates, fees, and terms of this Agreement may change from time to time. We may change any term to this 
Agreement unless an applicable law says we may not. You may not change this Agreement  unless  we agree in writing.  If 
required  by law,  we will  give you advance  written  notice  and any right  to reject  the change(s).

NOTICE AND CONTACT INFORMATION

We will  send statements  and other notices  to the address  you give us. If you agree and as permitted  by law,  we may 
provide  this information  electronically.  You promise  to tell  us right  away if that address  or contact  information  changes.  If 
you have a joint  Account,  any one of you may give us any notice  under this Agreement.  If you give us different  notices  or 
make different  requests,  we may pick which one to honor without  telling  any of you.

CONTACT US

Unless and until  we tell  you otherwise,  contact  us regarding  your Account  or request  a service  related  to your Account:  For 
Optimizer,  Platinum  and Personal  Line of Credit  Cards at: 1-800-239-5175; For Signature  and Select  Cards,  at: 
1-866-681-0484;  or for any Cards at (cid:37)(cid:37)(cid:57)(cid:36)(cid:3)(cid:56)(cid:54)(cid:36) Card Center, P.O. Box 2210, Decatur, Alabama 35699-0001.  If you are not
sure which type of Account  you have,  please  look at your Card, review  your Card Mailer,  or call  1-800-239-5175.

USING YOUR ACCOUNT

PERMITTED USES

You may use your Account  for transactions,  such as Purchases,  Cash Advances,  and Balance  Transfers.  You may not use it 
for any illegal  or Internet/online  gambling  transactions.  We may issue you Checks to make Cash Advances.  You may not 
use a Check to pay any amount you owe us. We may make you special  offers,  such as reduced  promotional  interest  rates. 
These offers  may have different  terms.  Except as we tell  you in the offer,  the rest of this Agreement  will  still  apply.  You may 
set up automatic  billing  with a merchant.  If your Account  number,  Card expiration  date or other Account  information 
changes,  you authorize  us to provide  the information  to any such merchant  at our discretion.  You must contact  the 
merchant  directly  if you wish to stop automatic  billing.

AUTHORIZED USERS

You may request  additional  Cards for Authorized  Users.  You will  be liable  for any charges  made by any Authorized  User 
and anyone else they allow  to use your Account.  This will  be true even if you did not want,  or agree to, the particular  use. 
You must notify  us if you wish to cancel the authority  of an Authorized  User.

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CREDIT AUTHORIZATIONS

Subject  to applicable  law,  we may limit  or not authorize  a transaction  for any reason.  We will  not be liable  if we do so, or if 
(1)  we close your Account;  (2) anyone refuses  your Card, Check,  or Account;  (3) we stop (or do not stop)  a payment  on a 
Check.  Unless otherwise  required  by law,  we will  not be liable  for goods or services  you bought or leased  using your 
Account.

CREDIT LIMITS

We will  tell  you your Account  credit  limit(s).  We may give you different  limits  for different  types of transactions.  We may 
change any of your limits  at any time.  We may delay increasing  your available  credit  for up to ten (10)  days after  you make 
a payment.   Your Account's  credit  limit  (and balances  in excess of your Account's  credit  limit)  may be treated  differently 
based on the type of Account  you have.  If you are not sure which type of Account  you have,  please  look at your Card, 
review  your Card Mailer,  or call  1-800-239-5175.

For  the  Optimizer,  Platinum  and  Personal  Line  of  Credit  Cards, if the balance  on your Account  (or on any type of 
transaction)  goes over the credit  limit,  you must pay the amount that is over the limit  immediately.   In other words,  you 
may not wait  to pay the amount that is over the credit  limit  as part of your next Minimum  Payment  Due, because the 
amount that is over the credit  limit  is due and payable  immediately.

For  all  other  Cards, if the balance  on your Account  (or on any type of transaction)  goes over the credit  limit,  you may wait 
to pay the entire  amount that is over the credit  limit  as part of your next Minimum  Payment  Due.  However,  the entire 
amount that is over the credit  limit  must be paid as part of your next Minimum  Payment  Due.

For  the  Optimizer  Card,  you may increase  your credit  limit  by making  a deposit  of $100 or more in the Collateral  Account. 
For each deposit  you make,  we automatically  will  increase  your credit  limit  by 90% of your deposit.  An increase  to your 
credit  limit  will  not become effective  until  we have collected  payment  on each check or other items deposited  into the 
Collateral  Account.  This may take up to 30 days.  You may not decrease  your credit  limit.

If you have told us that you want us to consider  authorizing  transactions  that exceed your credit  limit  ("Overlimit 
Transactions")  on your Account  and Over-the-Credit  Limit Fees are shown on your Card Mailer  or otherwise  provided  to 
you, we may charge you an Over-the-Credit  Limit Fee. You may tell  us you want (or do not want)  Overlimit  Transactions  at 
any time. 

INTEREST

HOW WE CALCULATE INTEREST CHARGES

We calculate  interest  charges  each billing  cycle by calculating  the daily  balance  for each type of balance,  including: 
Purchases,  Cash Advances,  Balance  Transfers  and any balances  subject  to a special  offer.  We start  with the beginning 
balance  for each day. The beginning  balance  is the prior  day's  daily  balance  plus any interest  charge from the prior  day. 
Then, we add new transactions,  debits  and fees.  Next,  we subtract  any new payments  or credits.  We also make any other 
appropriate  adjustments,  such as the grace period  on Purchases.  This gives us the daily  balance  for that type of balance. 
We multiply  the daily  balance  for each balance  type by its daily  periodic  rate.  We do this for each day in the billing  cycle. 
This gives us the interest  charges  for each balance  type.  We add up all the daily  interest  charges.  The sum is the total 
interest  charge for the billing  cycle.  We may use mathematical  formulas  or computer  programs  which produce  equivalent 
results  to calculate  the daily  balance,  interest  charges  and related  amounts.

NOTE: This method of calculating interest results in charging interest on unpaid interest (also known as compounding 
interest).

PAYING INTEREST

Except for transactions,  fees or charges  not subject  to interest,  we start  charging  interest  as follows:  (1)  if a transaction,  fee, 
or interest  charge occurs and is added to your Account  during  the same billing  cycle,  we start  charging  interest  on the date 
it occurs;  or (2) if a transaction,  fee,  or interest  charge occurs during  a billing  cycle and is added to your Account  in a 
subsequent  billing  cycle,  we start  charging  interest  from the first  day of the billing  cycle in which it is added to your 
Account.  You can avoid paying interest on Purchases (but not on Cash Advances or Balance Transfers) as described 
below. If you paid the entire  balance  for the previous  billing  cycle by its Payment  Due Date (or it was zero or a credit 
balance),  new Purchases  added to your Account  during  the current  billing  cycle will  not be charged  interest  if they are paid 
by the current  Payment  Due Date.  We may continue  to charge interest  until  you pay the full  account  balance.   For Cash 
Advances  and Balance  Transfers,  we will  begin charging  interest  on the transaction  date.

INTEREST RATES

The interest  rates that apply to your Account  are shown on the Card Mailer  and each billing  statement.  We divide  each 
annual  percentage  rate ("APR")  by 365 to get the daily  periodic  rate ("DPR")  used to calculate  interest  charges.

FEES

Subject to any limitation of applicable law, you agree to pay and we may charge the following fees in the amounts 
shown on your Card Mailer or otherwise provided to you. The following fees may not apply to all Accounts. Please 
review your Card Mailer and pricing disclosures. To the extent fees applicable to your account differ by state, the 
amount of fees charged will be based on your state of residence at the time the fee is assessed.Unless otherwise 
specified,  these fees are included  in the Purchase  balance.

ANNUAL FEE

If you are charged  an Annual  Fee, the fee will  be charged  to your Account  shortly  after  the time it is opened unless 
otherwise  indicated.  For each year that your Account  remains  open, the fee will  be charged  during  the same month that it 
was initially  charged.

TRANSACTION FEES

The Cash Advance  Fee will  be included  in the Cash Advance  balance.  The Balance  Transfer  Fee will  be included  in the 
Balance  Transfer  balance. 

If Foreign  Transaction  Fees are applicable  to your Account,  a Foreign  Transaction  Fee will  apply to each transaction  made 
in a foreign  currency,  outside  of the United States,  or with a foreign  merchant,  even if that transaction  is made in U.S. 
dollars,  including  returns  or refunds.  The Foreign  Transaction  Fee will  be included  in either  the Purchase  or Cash Advance 
balance  depending  on the transaction  type.  If you make any transaction  in a foreign  currency,  we or the Payment  Network 
will  convert  it to U.S. dollars.  The Payment  Network  will  use its own currency  conversion  procedures  in effect  at that time. 
Unless a particular  rate is required  by law,  the conversion  rate will  be no more than the highest  interbank  rate from 
customary  banking  sources.  The conversion  rate used may differ  from the conversion  rate on the date you made the 
transaction.
PENALTY FEES

The CFPB may adjust  penalty  fee amounts  annually  to reflect  changes to the Consumer Price Index (CPI),  and we may 
change such fees to reflect  the adjustments.  We will  not charge more than one penalty  fee for a single  event or transaction 
that violates  multiple  terms of this Agreement. 

Late Fee.  If we do not receive  at least  the Minimum  Payment  Due by the Payment  Due Date,  we will  charge you a Late Fee. 
This fee will  never exceed the Minimum  Payment  Due that was due immediately  prior  to the date on which the fee was 
assessed.

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Over-the-Credit Limit Fee. If you have told us that you want Overlimit  Transactions  on your Account  and 
Over-the-Credit  Limit fees are shown on your Card Mailer  or otherwise  provided  to you and we authorize  any Overlimit 
Transaction,  we may charge you an Over-the-Credit  Limit Fee. This fee will  never exceed the amount by which your 
Account  goes over your credit  limit  during  the billing  cycle in which the fee is assessed.  We will  charge the fee only once 
for any billing  cycle,  regardless  of the number of Overlimit  Transactions  during  that cycle.  We will  charge the fee only once 
for an individual  Overlimit  Transaction,  even if your Account  balance  remains  over your credit  limit  for multiple  billing 
cycles due to the same Overlimit  Transaction(s).  

Returned Payment Fee. If you make a payment  that is not honored by your financial  institution  or is returned  unpaid  for 
any reason,  we will  charge you a Returned  Payment  Fee. We will  charge this fee even if the payment  is later  honored or 
paid.  This fee will  never exceed the Minimum  Payment  Due that was due immediately  before  the payment  was returned.

OTHER FEES

.

Returned Convenience Check Fee. If we return  a Check for any reason,  we may charge you a Returned  Check Fee. This fee 
will  never exceed the amount of the Check returned. 

Stop Payment Fee. If you request  a stop payment  on a Check,  we may charge you a fee for each request,  whether  or not 
we actually  stop payment  and subject  to applicable  law.  This fee will  be included  in a balance  not subject  to interest.

Expedited Delivery Fee. If you request  and we arrange  for expedited  delivery  of any Card or Checks to you (for  example, 
by an overnight  delivery  service),  we may charge you a fee.  The fee amount will  be disclosed  to you at the time of the 
request,  and you will  have the opportunity  to agree to the fee.  This fee will  be included  in a balance  not subject  to interest.

Document Fee. Subject  to applicable  law,  we may charge you the reasonable  cost of researching,  compiling  and otherwise 
providing  you copies of sales slips  or Checks,  duplicate  copies of billing  statements,  or other account  documentation  that 
you request.  There will  be no charge for any item you request  in good faith  in connection  with the resolution  of any 
disputed  billing  matter.

Transfer Fee. If you request  us to deposit  a Cash Advance  directly  in your checking  account,  and we honor your request, 
we may charge a fee in addition  to the Cash Advance  Fee. This fee will  be included  in the Cash Advance  balance.

Expedited Payment Fee. If you request  us to expedite  payment  on your Account  by debiting  any deposit  or other account 
you designate,  and we honor your request,  subject  to applicable  law,  we may charge you a fee.  This fee will  be included  in 
the Cash Advance  balance. 

Skip Payment Fee. If we offer  and you accept the option  to skip any monthly  payment  and your Minimum  Payment  Due 
would  have been $200 or more, we may charge you a fee.  This fee will  be included  in the Cash Advance  balance.

Rate Reduction Fee. If a reduction  in any interest  rate,  fee or other charge is offered  by us and accepted  by you, or 
requested  by you and honored by us, we may charge you a fee.  We may charge this fee even if the reduction  is only 
temporary  or for a limited  time period.  We will  tell  you about the fee orally  or in writing  at the item we offer  or agree to the 
reduction.  This fee will  be included  in the Cash Advance  balance.

PAYMENTS

STATEMENTS

We will  send you, or otherwise  make available  to you, a statement  at the end of each billing  cycle if applicable  law requires. 
Read each statement  as soon as you receive  it or it is made available  to you. Tell us right  away if you see any error  or 
problem.  Your statement  will  show important  information  about your Account,  including  the New Balance,  Minimum 
Payment  Due, Payment  Due Date and the Statement  Date.

MINIMUM PAYMENT DUE

You may pay any or all of the balance on your Account at any time without incurring any additional charge for 
prepayment. Each billing cycle, you must pay at least the Minimum Payment Due by the Payment Due Date.
For  the  Optimizer  Card, your Minimum  Payment  Due will  be the greater  of: $10;  or 5% of the New Balance,  rounded  up or 
down to the nearest  dollar  plus past due amounts  and any amount over your credit  limit(s).  However  if the New Balance  is 
less than $10,  you must pay the entire  New Balance.

For  the  Platinum  and  Personal  Line  of  Credit  Cards, if all of your APRs are 23.49%  or lower,  your Minimum  Payment  Due 
will  be the greater  of: $10;  or 2% of the New Balance,  rounded  up or down to the nearest  dollar  plus past due amounts  and 
any amount over your credit  limit(s).  However,  if the New Balance  is less than $10,  you must pay the entire  New Balance.  If 
any of your APRs is over 23.49%,  your Minimum  Payment  Due will  be $15 plus any interest  you owe for that billing  cycle, 
any Cash Advance  Fee, Rate Reduction  Fee, Expedited  Payment  Fee, Skip Payment  Fee, and Foreign  Transaction  Fee that 
has been charged  during  that billing  cycle,  any unpaid  Minimum  Payments  Due from previous  bills  and any amount over 
your credit  limit(s).

For  the  Signature  and  Select  Cards, if all of your APRs are 23.49%  or lower,  your Minimum  Payment  Due will  be the greater 
of: $10;  or 2% of the New Balance  or the amount of your credit  limit,  whichever  is less,  rounded  up or down to the nearest 
dollar  plus past due amounts  and any amount over your credit  limit(s).  However,  if the New Balance  is less than $10,  you 
must pay the entire  New Balance.  If any of your APRs is over 23.49%,  your Minimum  Payment  Due will  be $15 plus any 
interest  you owe for that billing  cycle,  any Cash Advance  Fee, Rate Reduction  Fee, Expedited  Payment  Fee, Skip Payment 
Fee, and Foreign  Transaction  Fee that has been charged  during  that billing  cycle,  any unpaid  Minimum  Payments  Due from 
previous  bills  and any amount over your credit  limit(s).

For  all  Cards, we may let you skip a payment.  We will  tell  you when you can skip a payment.  If you skip a payment,  you will 
owe the Skip Payment  Fee and interest  for the skipped  billing  cycle,  you will  lose any grace period  that otherwise  would 
apply,  and you must pay the regular  Minimum  Payment  Due for the next billing  cycle.

MAKING PAYMENTS

You must follow  the payment  instructions  on your statement  or otherwise  provided.  If we let you pay at one of our 
branches,  we will  credit  the payment  as of the day we get it.  If we let you pay by phone,  online,  mobile  application  or other 
means,  we will  tell  you when it will  be credited.  You must pay us in U.S. dollars.  We do not accept cash through  the mail.  We 
can accept late payments, partial payments or payments marked "payment in full" or with any other restrictive 
endorsement without losing any of our rights under this Agreement.

HOW WE APPLY PAYMENTS

We apply your Minimum  Payment  Due to pay down balances  on your Account  in our discretion,  unless  applicable  law says 
we may not. We apply amounts  you pay that exceed the Minimum  Payment  Due to balances  with higher  APRs before 
balances  with lower  APRs.

ABOUT OUR RELATIONSHIP

LIABILITY FOR UNAUTHORIZED USE

If your Card is lost or stolen or you believe someone is using your Card without your permission, contact us 
immediately. You will  not be liable  for any unauthorized  use that occurs after  you notify  us. Subject  to applicable  law,  you 
may be liable  for unauthorized  use that occurs before  your notice  to us. Your liability,  if any, will  not exceed $50.

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AUTHORIZATION TO CONTACT YOU ABOUT YOUR ACCOUNT 

By providing  us with your home telephone  number,  cellular  telephone  number,  email  address  or other contact 
information,  you authorize  us and our affiliates,  agents and third-party  vendors  to contact  you using any automatic 
telephone  dialing  system,  prerecorded  voice,  voicemail,  or messaging  service  or e-mail  alert.  You agree to notify  us 
promptly  if any of your contact  information  changes.  In addition,  you agree that we may also contact  you at any telephone 
number that we may obtain  for you in the future  using any automatic  telephone  dialing  system,  prerecorded  voice, 
voicemail,  or messaging  service.  Any complaint  received  via e-mail  may be responded  to in the same manner to the same 
address(es)  from which the e-mail  was sent.  
INFORMATION ABOUT YOU AND YOUR CREDIT

You authorize  us to obtain  and review  your financial  condition,  credit  report(s),  employment,  income,  and related 
information  and documentation  at any time and for any reason.  You agree to help with this.  We may provide  information 
about you and your Account  to credit  reporting  agencies  and others.  We may provide  information  to credit  reporting 
agencies  and others  about this Account  in the name of an Authorized  User. If you think  we have or have provided 
information  that is incorrect,  write  to us and list  the specific  information  you believe  is inaccurate.

CLOSING YOUR ACCOUNT

You may close your Account.  Unless applicable  law says we may not, we may close,  suspend,  or not renew your account  or 
not reissue  your Card at our discretion  and without  notice.  You must follow  the closure  requirements  we tell  you. You still 
have to pay all amounts  you owe us. If you are not in default  when your Account  is closed,  you may pay off the balance 
under the terms of this Agreement  that apply at that time.

DEFAULT

Subject  to applicable  laws,  you are in default  if:

You file  a bankruptcy  petition  or have a bankruptcy  petition  filed  against  you;
We have reasonable  belief  that you are unable  or unwilling  to repay your obligations  to us;
You die,  become legally  incompetent  or go to jail;
You lose your Card or Checks (including  if they are stolen);
We find you no longer  qualify  for any APR or credit  limit  then in effect  on your Account;  or
You fail  to comply with the terms of this Agreement  or any Agreement  with us or an Affiliate,  including  failing  to 
make a payment  when due, exceeding  your credit  limit  (for  the Optimizer,  Platinum  and Personal  Line of Credit 
Cards only),  using your Card or Account  for an illegal  transaction,  or giving  us false  or incomplete  credit 
information,  signatures,  or material  representations.

If you are in default,  subject  to applicable  law,  we may (1)  suspend or terminate  your credit  privileges,  (2) close your 
Account  and/or  (3) declare  the entire  balance  of your Account  immediately  due and payable  without  notice.

COLLECTION COSTS

We may charge you for costs we have to pay to collect  what you owe after  default.  These costs may include  reasonable 
fees to attorneys  who are not our paid employees.  We will  not charge you for our collection  costs if you owe us $300 or 
less or to the extent  an applicable  law says we may not.  We will  not charge attorneys'  fees that exceed 15% of the unpaid 
debt in Colorado,  Georgia,  Kansas,  Maine,  Missouri,  Montana,  North Carolina,  Oklahoma  or South Carolina,  20% of the 
amount due in New York or 25% of the unpaid  debt in Louisiana.   We will  not charge attorneys'  fees if the principal  amount 
you owe us is less than $1,000  in Idaho or Wyoming.   We will  not charge collection  costs other than attorneys'  fees if you 
live  in Colorado,  Delaware,  Idaho,  Indiana,  Kansas,  Louisiana,  Maine,  Maryland,  New York,  North Carolina,  Oklahoma,  South 
Carolina  or Wyoming.  We will  charge attorneys'  fees in West Virginia  to realize  a security  interest.

OTHER IMPORTANT INFORMATION

GOVERNING LAW

This Agreement is governed by applicable federal law and by Alabama law, without regard to its conflicts of law 
provisions.   If your billing address is in the State of Maryland, to the extent, if any, that Maryland law applies to your 
account, we elect to offer your card account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.

OUR RIGHTS

We may delay exercising  or not exercise  any rights  under this Agreement  without  losing  or waiving  any of them. .

ASSIGNMENT

We may sell,  assign  or transfer  your Account,  this Agreement  and our rights  or duties  under this Agreement  or any portion 
of it without  notice  to you. You may not sell,  assign  or transfer  your Account  or any of your rights  or duties  under this 
Agreement  without  first  obtaining  our prior  written  consent.

SEVERABILITY/INTERPRETATION

If any part of this Agreement  is found to be invalid,  the rest of it will  remain  in effect.  It is not the intention  of the parties  that 
anything  in this Agreement  should  result  in the assessment  (charge,  collection,  or receipt)  of interest,  fees or charges  in 
excess of those permitted  by applicable  law.  If any interest,  fee or charge assessed  under this Agreement  is finally 
determined  to be in excess of that permitted  by applicable  law,  the excess amount will  be applied  to reduce the 
outstanding  balance  on your Account  or, if there is no outstanding  balance,  will  be refunded  to you.

ENTIRE AGREEMENT

This Agreement  constitutes  the final  expression  of the credit  agreement  between  you and us relating  to your Account  and 
supersedes  and may not be contradicted  by evidence  of any prior  or contemporaneous  oral credit  agreement  between  you 
and us relating  to your Account.

MILITARY LENDING ACT

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).

Notwithstanding  any other provision  of this Agreement,  if you are a "covered  borrower"  under the Military  Lending Act, as 
defined  in 32 CFR ß 232.3(g),  the arbitration  provisions  in this Agreement  shall  not apply to you.  Furthermore,  nothing  in this 
Agreement  shall  be construed  as applying  to a covered  borrower  to the extent  inconsistent  with the Military  Lending Act.

DISPUTE RESOLUTION

ARBITRATION

Either  you or we may ask to settle  disputes  by arbitration.  Arbitration  is a way of working  out disputes  without  going to 
court.  If you or we ask for arbitration,  we would  all meet with a person called  an arbitrator.  An arbitrator  is like  a referee  or 
a judge.  The arbitrator  will  listen  to what you and we have to say. The arbitrator  will  decide who is right.  The arbitrator's 
decision  is called  an award.  The party  who wins the award  can take it to any court that could have heard the dispute  and 
get an official  judgment.  Please read the rest of this section carefully. It explains how arbitration works.

Some Legal Rights May Not Be Available in Arbitration: After any party asks for arbitration of a dispute, neither you nor 
we can ask a court to hear that dispute. There will be no jury trial of that dispute. You cannot be part of any class action 
relating to that dispute. The right to get information from each other and other procedures may be more limited in 
arbitration than in court. With a few limited exceptions, the arbitrator's award will be final and unchangeable. Other rights 
that you or we would have in a court also may not be available in arbitration.

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WHAT DISPUTES ARE COVERED

Any  dispute  that  arises  from  or  relates  to  this  Agreement,  your  Account  and  any  transaction  involving  the  Account  will  be  
settled  by  arbitration  unless  it  is  described  below  in  "What  Disputes  Are  Not  Covered."  This  means  that  disputes  about  the  
following  are  covered:

This Agreement,  your Account  or any transaction  involving  the Account;
Any advertisement,  promotion  or oral or written  statement  related  to this Agreement  or your Account;
Any relationships  that result  from this Agreement  (including,  as far as applicable  law will  allow,  relationships  with 
third  parties  who are not parties  to this Agreement  or this arbitration  provision);
The validity,  interpretation,  scope or enforceability  of this Agreement  (except  for any challenge  to the 
enforceability  of this Dispute  Resolution  section  or any dispute  about the parts of this subsection  (a) about class 
disputes);  and
Whether  it is too late to settle  a dispute  because of any statute  of limitations,  estoppel,  waiver,  laches or similar 
legal  rule.

It  doesn't  matter  whether  the  dispute  is  based  on  contract,  fraud,  tort,  intentional  tort,  statute,  regulation,  constitution,   
common  law,  equity  or  otherwise.  It  also  doesn't  matter  when  the  dispute  began  (whether  before  this  Agreement,  now  or  
in  the  future).  This  arbitration  provision  will  continue  to  apply  after  this  Agreement  ends  and/or  after  you  or  we  close  the  
Account.

WHAT DISPUTES ARE NOT COVERED

This arbitration  provision  does not cover any dispute:  (1)  That you or we could take to a small  claims  court,  which usually 
limits  its cases based on the amount of the claim;  or (2) about the parts of this arbitration  provision  that prohibit  class 
disputes.

NO CLASS DISPUTES

UNLESS YOU LIVE IN NEW JERSEY, YOU CANNOT JOIN TOGETHER IN A DISPUTE WITH ANYONE OTHER THAN PEOPLE 
WHO USE YOUR ACCOUNT. EVEN IF OTHER PEOPLE HAVE DISPUTES SIMILAR TO A DISPUTE THAT YOU OR WE ASK TO 
ARBITRATE, THOSE PEOPLE AND THEIR DISPUTES CANNOT BE PART OF ANY ARBITRATION BETWEEN YOU AND US. 
YOU CANNOT ARBITRATE ANY DISPUTE ON A CLASS ACTION, PRIVATE ATTORNEY GENERAL OR OTHER 
REPRESENTATIVE BASIS. Only a court, and not an arbitrator, may decide whether this provision prohibiting class 
disputes can be enforced.

WHO WILL ARBITRATE

The American  Arbitration  Association  ("AAA")  or JAMS ADR ("JAMS")  may arbitrate  any dispute,  or you and we may agree 
upon a different  arbitrator.  For more information  about arbitration,  contact  the AAA (www.adr.org  or 1-800-778-  7879) or 
JAMS (www.jamsadr.com  or 1-800-352-5267).  If for any reason the AAA or JAMS is unable  or unwilling  to arbitrate,  or you 
and we cannot agree on an arbitrator,  we will  use another  national  or regional  arbitration  group.  The number of arbitrators 
will  depend on the total  dollar  amount of all disputes  by both you and us. If the total  is $250,000  or less,  one arbitrator  will 
hear the dispute(s).  If the total  is over $250,000,  three arbitrators  will  hear the dispute(s).  Each arbitrator  must be an active 
member in good standing  of the bar for any state  in the continental  United States,  and either:  (a) actively  engaged in the 
practice  of law for at least  5 years or (b) a retired  judge.

WHAT RULES APPLY

The arbitration  of any dispute  will  be conducted  according  to the rules  of the arbitrator  ("Rules").   If an arbitrator  other than 
the AAA is chosen,  the Rules of the AAA will  be applied  to any circumstance  that is not addressed  by the Rules of the 
chosen arbitrator.  If the total  of all disputes  is $250,000  or less,  we will  use any expedited  procedures  in the Rules.   If this 
Agreement  and the Rules say something  different,  we will  follow  this Agreement  and not the Rules.

HOW TO START ARBITRATION

Either  you or we may start  an arbitration  by giving  written  notice  to the other party.  At a minimum,  this notice  must 
describe  the subject  of the dispute  and the result  requested  in arbitration  by the party  giving  the notice.  If you ask us to 
arbitrate,  you can choose the AAA or JAMS,  or suggest  another  national  or regional  arbitration  group to arbitrate  the 
dispute.  If we ask you to arbitrate,  we will  give you 10 days to choose the AAA or JAMS,  or to suggest  another  national  or 
regional  arbitration  group.  In either  case, if you suggest  an alternative  to the AAA and JAMS,  we will  work with you to 
determine  if you and we can agree on a different  group or arbitrator.  If you and we are unable  to agree,  the arbitration  will 
be conducted  by the AAA or, if the AAA is not available,  by a similar  arbitration  group.  The party  asking  for arbitration  must 
file  a notice  with the arbitration  group following  the Rules in effect  at that time.

WHEN A PARTY MAY ASK FOR ARBITRATION

You or we may ask for arbitration  before  or after  a lawsuit  has been filed.  You or we must ask for arbitration  within  the 
statute  of limitations  that would  apply to the same dispute  in court.  If it is too late to resolve  the dispute  in court,  it is also 
too late to resolve  it in arbitration.

WHAT THE ARBITRATOR(S) MUST DO

Each  arbitrator  must:

Limit discovery  to information  that is directly  relevant  to the dispute  and is not considered  confidential  or 
otherwise  protected  from being made public.  Discovery  is the process  by which you and we ask each other for 
information  about the dispute;
Make decisions  and awards  based on the evidence  and applicable  substantive  law and the rules  of evidence  used 
in federal  courts;
Make decisions  and awards  only with respect  to claims  made by or against  you individually;
Give a brief  written  explanation  of the basis for the award  upon request  of either  party;  and
Make specific  findings  of fact and conclusions  of law to support  any award  greater  than $25,000.
Not make any award  that would  require  you and us to continue  any relationship  we may have under this 
Agreement  or otherwise.

WHO PAYS FOR ARBITRATION

There will  be costs for arbitration.  Contact  the AAA or other arbitration  group to find out what the arbitration  charges  will 
be. You may have to pay some of the arbitration  charges  unless  this Agreement,  an applicable  law or the Rules say we 
must pay. If the total  dollar  amount of all disputes  is $50,000 or less,  we will  pay that portion  of the arbitration  filing  fee 
that is more than the cost of filing  a lawsuit  in the federal  court where you live.  You can ask us to pay some or all of the 
other arbitration  charges  you have to pay, but we don't  promise  to do as you ask.  At the end of the arbitration,  the 
arbitrator(s)  will  decide who has to pay for any arbitration  charges  that are greater  than those we agreed to pay. The 
arbitrator(s)  also may order us to pay some or all of your attorneys,  expert  and witness  fees.  Unless ordered  otherwise  by 
the arbitrator(s),  each of us must pay for its own attorneys,  expert  and witness  fees,  no matter  who wins.

WHERE WILL ARBITRATION TAKE PLACE

Any arbitration  will  take place in the federal  judicial  district  near your home. Or, you and we could agree that arbitration 
will  take place somewhere  else.

WHAT LAW APPLIES

This arbitration  provision  is made pursuant  to a transaction  involving  interstate  commerce.  The Federal  Arbitration  Act will 
apply to the construction,  interpretation  and enforceability  of this arbitration  provision  despite  any other choice of law 
provision  in this Agreement.

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OTHER RIGHTS AND REMEDIES

Nothing  in this arbitration  provision  will  limit  certain  other rights  you or we may have.  This means that you or we could,  for 
example:

Get an injunction,  which is a court order to stop someone from doing something;  or
File an interpleader  action,  which is a type of lawsuit  used to decide who owns property  that more than one 
person claims  to own.

If you or we do any of these things  or take part in any other court case, it does not affect  your or our rights  under this 
arbitration  provision.

WHAT HAPPENS IF PART OR ALL OF THIS ARBITRATION PROVISION CANNOT BE ENFORCED

Only a court and not an arbitrator  can determine  if any part of this arbitration  provision  cannot be enforced.  If a court with 
proper  jurisdiction  says that any part of the "No Class Disputes"  subsection  above (which  prohibits  arbitration  of class 
disputes)  cannot be enforced,  then none of the arbitration  section  in this Agreement  will  apply,  and this section  will  be 
considered  deleted  from the Agreement.  If a court with proper  jurisdiction  says that any other part of this arbitration 
provision  cannot be enforced,  then the rest of this arbitration  subsection  still  will  apply,  including  the "No Class Disputes" 
subsection  above.

WAIVER OF JURY TRIAL

Unless you live in New Jersey, subject to applicable law, this provision limits your rights to a jury trial. You should 
review this section carefully. If you and we have any dispute related to this Agreement, your Account, or any 
transactions involving your Account and (i) neither you nor we seek to compel arbitration of the dispute, or (ii) some or 
all of the arbitration section is unenforceable and the dispute will be resolved in court, then you and we agree 
voluntarily and knowingly to waive any right each may have to a jury trial to the fullest extent permitted by law.

ATTORNEYS' FEES

In any action  between  you and us in court,  the prevailing  party  will  be entitled  to receive  from the other party  an amount 
equal to the reasonable  attorneys'  fees the prevailing  party  incurred  in bringing  or defending  the court action.

DEFINITIONS

Account - Your arrangement  with us for credit  and other services  under this Agreement.

Agreement - The current  terms and conditions  of your Account  as contained  within  this document,  your Application,  your 
Card Mailer,  any other document  we provide  you that indicates  it is part of, or amends the terms and conditions  of your 
Account.

Application - The application  or solicitation  you signed,  submitted,  or otherwise  gave us to ask for the Account.  An 
application  could be written,  electronic,  or as otherwise  permitted  by law.

Authorized User - Any person you authorize  to use your Account  or a Card, whether  you notify  us or not.

Balance Transfers - A balance  from another  creditor  paid directly  by us and transferred  to your Account.  If we approve 
your request,  we will  pay the other creditor  directly.  Balance  Transfers  are Cash Advances,  except  that the APR for 
Purchases  (and not the APR for Cash Advances)  will  apply to Balance  Transfers.

Cash Advances - The use of your Account  to obtain  cash or other advances:

From us or any participating  financial  institution  or automated  teller  machine (ATM);
By using a Check;
By purchasing  items that can be traded  right  away for cash, such as wire transfers,  money orders,  traveler's 
checks,  lottery  tickets  or casino chips;
By placing  bets or wagers  (if  legal)  or to make tax or other similar  payments;  or
By getting  an advance  deposited  to a Compass checking  account  if you are enrolled  in an overdraft  protection 
program  under a separate  agreement  with us.

Card - Any access device  for your Account  we give you or an Authorized  User to obtain  credit,  including  physical  cards, 
Account  numbers,  Checks and electronic  form factors  or cryptologic  keys.

Card Mailer - Account  documentation  containing  your Card, your initial  or subsequent  credit  limit(s),  Account  number(s), 
account  opening  disclosures  and pricing  information,  or other information  about the terms and conditions  of your 
Account.

Check - Any check we send to you to access your Account.  Checks are Cash Advances.

Purchases - the use of your Account  to purchase  or lease goods or services  from participating  merchants.

New Balance - The unpaid  balance  at the end of the billing  cycle. 

Minimum Payment Due - Minimum  amount of your payment.

Payment Due Date - The date your next payment  is due.

Payment Network - Visa,  MasterCard,  American  Express,  Discover,  and their  respective  payment  systems,  or any other 
payment  system that is enabled  on, or otherwise  specified  for,  your Account.

Statement Date - The date of the statement.

We, us, and our - (cid:37)(cid:37)(cid:57)(cid:36)(cid:3)(cid:56)(cid:54)(cid:36) and anyone to whom we give or sell your Account.  (cid:37)(cid:37)(cid:57)(cid:36) is a trade name of (cid:37)(cid:37)(cid:57)(cid:36)(cid:3)
(cid:56)(cid:54)(cid:36),  a member of the BBVA Group.

You, your, and yours - You and any other person(s)  who are contractually  liable  under this Agreement,  including  joint 
applicants  and joint  Account  holders.

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SIGNATURES

NOTICE TO THE BUYER - DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ IT OR IF IT CONTAINS 
ANY BLANK SPACE. YOU ARE ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS AGREEMENT.  

RETAIL INSTALMENT CREDIT AGREEMENT 
You:  Any handwritten,  electronic  or digital  signature  provided  by you or any person whom you allow  to use the Account 
on any document  in connection  with opening  or using your Account  serves  as your signature  on this Agreement.   Your 
name and primary  (i.e.,  residential  street)  address  on your Application  (including  any oral or electronic  application  or 
request  for credit)  or on the Card Mailer  sent with your Card serves  as your name and address  on this Agreement.   The 
date of your Application  is the date of your signature  for purposes  of this Agreement.

Bank:  We have signed this Agreement  as follows:

(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)/s/ A. Smith
        A. Smith
        Vice President
        (cid:37)(cid:37)(cid:57)(cid:36) Bank Card Center,  P.O.  Box 2210,  Decatur,  Alabama  (cid:22)(cid:24)(cid:25)(cid:28)(cid:28)(cid:16)(cid:19)(cid:19)(cid:19)1

California Residents: You understand  and agree that interest  is compounded  under the terms of this Agreement.

New Jersey Residents: Because certain  provisions  of this Agreement  are subject  to applicable  law,  they may be void, 
unenforceable  or inapplicable  in some jurisdictions.  None of these provisions,  however,  is void,  unenforceable  or 
inapplicable  in New Jersey.

Vermont Residents Optimizer Card: To have an Optimizer  Card Account,  you must maintain  a deposit  account  as security 
for this credit  card account,  and you shall  grant us a security  interest  in this deposit  account.

Washington Residents: Pursuant  to Washington  Revised  Code Section  63.14.167,  you are not responsible  for payment  of 
any service  charge resulting  from the merchant's  failure  to transmit  to us within  seven working  days a credit  for goods or 
services  accepted  for return  or forgiven  if you have notified  us of the merchant's  delay in posting  such credit,  or our failure 
to post such credit  to your account  within  three working  days of our receipt  of the credit.

Ohio Residents: The Ohio laws against  discrimination  require  that all creditors  make credit  equally  available  to all credit 
worthy  customers,  and that credit  reporting  agencies  maintain  separate  credit  histories  on each individual  upon request. 
The Ohio civil  rights  commission  administers  compliance  with this law.

YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE

This notice  tells  you about your rights  and our responsibilities  under the Fair Credit  Billing  Act.

What  to  Do  If  You  Find  a  Mistake  on  Your  Statement

If you think  there is an error  on your statement,  write  to us at the payment  address  shown on your bill.

In your letter,  give us the following  information:

Account  information:  Your name and account  number.
Dollar  amount:  The dollar  amount of the suspected  error.
Description  of problem:  If you think  there is an error  on your bill,  describe  what you believe  is wrong and why you 
believe  it is a mistake.

You must contact  us:

Within  60 days after  the error  appeared  on your statement.
At least  3 business  days before  an automated  payment  is scheduled,  if you want to stop payment  on the amount 
you think  is wrong.

You must notify  us of any potential  errors  in writing.  You may call us, but if you do we are not required  to investigate  any 
potential  errors  and you may have to pay the amount in question.

What  Will  Happen  After  We  Receive  Your  Letter

When we receive  your letter,  we must do two things:

 1. Within  30 days of receiving  your letter,  we must tell  you that we received  your letter.  We will  also tell  you if we

have already  corrected  the error.

 2. Within  90 days of receiving  your letter,  we must either  correct  the error  or explain  to you why we believe  the bill

is correct.

While  we investigate  whether  or not there has been an error:

We cannot try to collect  any amount in question,  or report  you as delinquent  on that amount.
The charge in question  may remain  on your statement,  and we may continue  to charge you interest  on that 
amount.
While  you do not have to pay the amount in question,  you are responsible  for the remainder  of your balance.
We can apply any unpaid  amount against  your credit  limit.

After  we finish  our investigation,  one of two things  will  happen:

If we made a mistake:  You will  not have to pay the amount in question  or any interest  or other fees related  to that 
amount.
If we do not believe  there was a mistake:  You will  have to pay the amount in question,  along with applicable 
interest  and fees.  We will  send you a statement  of the amount that you owe and the date payment  is due. We may 
then report  you as delinquent  if you do not pay the amount we think  you owe.

If you receive  our explanation  but still  believe  your bill  is wrong,  you must write  to us within  10 days telling  us that you still 
refuse  to pay. If you do so, we cannot report  you as delinquent  without  also reporting  that you are questioning  your bill. 
We must tell  you the name of anyone to whom we reported  you as delinquent,  and we must let those organizations  know 
when the matter  has been settled  between  us. If we do not follow  all of the rules  above,  you do not have to pay the first  $50 
of the amount you question,  even if your bill  is correct.

Your  Rights  If  You  Are  Dissatisfied  With  Your  Credit  Card  Purchases
If you are dissatisfied  with the goods or services  that you have purchased  with your credit  Card, and you have tried  in good 
faith  to correct  the problem  with the merchant,  you may have the right  not to pay the remaining  amount due on the 
purchase.

To use this right,  all of the following  must be true:

 1. The purchase  must have made in your home state  or within  100 miles of your current  mailing  address,  and the

purchase  price must have been more than $50. (Note:  Neither  of these are necessary  if your purchase  was based 
on an advertisement  we mailed  to you, or if we own the company that sold you the goods or services.)

 2. You must have used your credit  Card for the purchase.  Purchases  made with cash advances  from an ATM or with

a check that accesses your credit  Card account  do not qualify.

 3. You must not yet have fully  paid for the purchase.

If all of the criteria  above are met and you are still  dissatisfied  with the purchase,  contact  us in writing  at the payment 
address  shown on your bill.

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.

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(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3)

(cid:37)(cid:37)(cid:57)(cid:36) Select Credit Card Account Pricing Information as of March 31, 2020.

This pricing information is accurate as of the date listed above, but may have changed after that date. You can 
always find out the most current pricing information by contacting us at: (cid:37)(cid:37)(cid:57)(cid:36)(cid:3)(cid:56)(cid:54)(cid:36), P.O. Box 2210, Decatur, AL 
35699 or 1-866-681-0484.

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

Prime*(cid:3)+(cid:3)9.99%(cid:3)to(cid:3)13.99%,(cid:3)based(cid:3)on(cid:3)creditworthiness(cid:3)(cid:3)
This(cid:3)APR(cid:3)will(cid:3)vary(cid:3)with(cid:3)the(cid:3)market(cid:3)based(cid:3)on(cid:3)the(cid:3)Prime(cid:3)Rate.(cid:3)

APR for Balance Transfers 

APR for Cash Advances 

 Paying Interest 

Prime*(cid:3)+(cid:3)9.99%(cid:3)to(cid:3)13.99%,(cid:3)based(cid:3)on(cid:3)creditworthiness(cid:3)(cid:3)
This(cid:3)APR(cid:3)will(cid:3)vary(cid:3)with(cid:3)the(cid:3)market(cid:3)based(cid:3)on(cid:3)the(cid:3)Prime(cid:3)Rate(cid:3)

Prime*(cid:3)+(cid:3)18.99%(cid:3)(cid:3)
This(cid:3)APR(cid:3)will(cid:3)vary(cid:3)with(cid:3)the(cid:3)market(cid:3)based(cid:3)on(cid:3)the(cid:3)Prime(cid:3)Rate.(cid:3)

Your(cid:3)due(cid:3)date(cid:3)is(cid:3)at(cid:3)least(cid:3)25(cid:3)days(cid:3)after(cid:3)the(cid:3)close(cid:3)of(cid:3)each(cid:3)billing(cid:3)cycle.(cid:3)We(cid:3)
will(cid:3)not(cid:3)charge(cid:3)you(cid:3)interest(cid:3)on(cid:3)purchases(cid:3)if(cid:3)you(cid:3)pay(cid:3)your(cid:3)entire(cid:3)balance(cid:3)
by(cid:3)the(cid:3)due(cid:3)date(cid:3)each(cid:3)month.(cid:3)We(cid:3)will(cid:3)begin(cid:3)charging(cid:3)interest(cid:3)on(cid:3)cash(cid:3)
advances(cid:3)and(cid:3)balance(cid:3)transfers(cid:3)on(cid:3)the(cid:3)transaction(cid:3)date.

Minimum Interest Charge 

(cid:44)(cid:73)(cid:3)(cid:92)(cid:82)(cid:88)(cid:3)(cid:68)(cid:85)(cid:72)(cid:3)(cid:70)(cid:75)(cid:68)(cid:85)(cid:74)(cid:72)(cid:71)(cid:3)(cid:76)(cid:81)(cid:87)(cid:72)(cid:85)(cid:72)(cid:86)(cid:87)(cid:3)(cid:82)(cid:81)(cid:3)(cid:83)(cid:88)(cid:85)(cid:70)(cid:75)(cid:68)(cid:86)(cid:72)(cid:86)(cid:15)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:70)(cid:75)(cid:68)(cid:85)(cid:74)(cid:72)(cid:3)(cid:90)(cid:76)(cid:79)(cid:79)(cid:3)(cid:69)(cid:72)(cid:3)(cid:81)(cid:82)(cid:3)(cid:79)(cid:72)(cid:86)(cid:86)(cid:3)(cid:87)(cid:75)(cid:68)(cid:81)(cid:3)(cid:7)(cid:20)(cid:17)(cid:3)

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

(cid:55)(cid:82)(cid:3)(cid:79)(cid:72)(cid:68)(cid:85)(cid:81)(cid:3)(cid:80)(cid:82)(cid:85)(cid:72)(cid:3)(cid:68)(cid:69)(cid:82)(cid:88)(cid:87)(cid:3)(cid:73)(cid:68)(cid:70)(cid:87)(cid:82)(cid:85)(cid:86)(cid:3)(cid:87)(cid:82)(cid:3)(cid:70)(cid:82)(cid:81)(cid:86)(cid:76)(cid:71)(cid:72)(cid:85)(cid:3)(cid:90)(cid:75)(cid:72)(cid:81)(cid:3)(cid:68)(cid:83)(cid:83)(cid:79)(cid:92)(cid:76)(cid:81)(cid:74)(cid:3)(cid:73)(cid:82)(cid:85)(cid:3)(cid:82)(cid:85)(cid:3)(cid:88)(cid:86)(cid:76)(cid:81)(cid:74)(cid:3)(cid:68)(cid:3)(cid:70)(cid:85)(cid:72)(cid:71)(cid:76)(cid:87)(cid:3)(cid:70)(cid:68)(cid:85)(cid:71)(cid:15)(cid:3)
(cid:89)(cid:76)(cid:86)(cid:76)(cid:87)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:90)(cid:72)(cid:69)(cid:86)(cid:76)(cid:87)(cid:72)(cid:3)(cid:82)(cid:73)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:38)(cid:82)(cid:81)(cid:86)(cid:88)(cid:80)(cid:72)(cid:85)(cid:3)(cid:41)(cid:76)(cid:81)(cid:68)(cid:81)(cid:70)(cid:76)(cid:68)(cid:79)(cid:3)(cid:51)(cid:85)(cid:82)(cid:87)(cid:72)(cid:70)(cid:87)(cid:76)(cid:82)(cid:81)(cid:3)(cid:37)(cid:88)(cid:85)(cid:72)(cid:68)(cid:88)(cid:3)(cid:68)(cid:87)(cid:29)(cid:3)
(cid:75)(cid:87)(cid:87)(cid:83)(cid:29)(cid:18)(cid:18)(cid:90)(cid:90)(cid:90)(cid:17)(cid:70)(cid:82)(cid:81)(cid:86)(cid:88)(cid:80)(cid:72)(cid:85)(cid:73)(cid:76)(cid:81)(cid:68)(cid:81)(cid:70)(cid:72)(cid:17)(cid:74)(cid:82)(cid:89)(cid:18)(cid:79)(cid:72)(cid:68)(cid:85)(cid:81)(cid:80)(cid:82)(cid:85)(cid:72)(cid:3)

Fees 

Annual Fee 

Transaction Fees 

$0 (cid:73)(cid:82)(cid:85)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:73)(cid:76)(cid:85)(cid:86)(cid:87)(cid:3)(cid:92)(cid:72)(cid:68)(cid:85)(cid:3)(cid:92)(cid:82)(cid:88)(cid:85)(cid:3)(cid:68)(cid:70)(cid:70)(cid:82)(cid:88)(cid:81)(cid:87)(cid:3)(cid:76)(cid:86)(cid:3)(cid:82)(cid:83)(cid:72)(cid:81)(cid:15)(cid:3)(cid:87)(cid:75)(cid:72)(cid:81)(cid:3)$99(cid:3)(cid:72)(cid:68)(cid:70)(cid:75)(cid:3)(cid:92)(cid:72)(cid:68)(cid:85)(cid:3)(cid:68)(cid:73)(cid:87)(cid:72)(cid:85)(cid:3)

(cid:120) (cid:38)(cid:68)(cid:86)(cid:75)(cid:3)(cid:36)(cid:71)(cid:89)(cid:68)(cid:81)(cid:70)(cid:72)
(cid:120)
(cid:120)

(cid:37)(cid:68)(cid:79)(cid:68)(cid:81)(cid:70)(cid:72)(cid:3)(cid:55)(cid:85)(cid:68)(cid:81)(cid:86)(cid:73)(cid:72)(cid:85)
(cid:41)(cid:82)(cid:85)(cid:72)(cid:76)(cid:74)(cid:81)(cid:3)(cid:55)(cid:85)(cid:68)(cid:81)(cid:86)(cid:68)(cid:70)(cid:87)(cid:76)(cid:82)(cid:81)

(cid:40)(cid:76)(cid:87)(cid:75)(cid:72)(cid:85)(cid:3)$10(cid:3)(cid:82)(cid:85)(cid:3)4%(cid:3)(cid:82)(cid:73)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:68)(cid:80)(cid:82)(cid:88)(cid:81)(cid:87)(cid:3)(cid:82)(cid:73)(cid:3)(cid:72)(cid:68)(cid:70)(cid:75)(cid:3)(cid:70)(cid:68)(cid:86)(cid:75)(cid:3)(cid:68)(cid:71)(cid:89)(cid:68)(cid:81)(cid:70)(cid:72)(cid:15)(cid:3)(cid:90)(cid:75)(cid:76)(cid:70)(cid:75)(cid:72)(cid:89)(cid:72)(cid:85)(cid:3)(cid:76)(cid:86)(cid:3)(cid:74)(cid:85)(cid:72)(cid:68)(cid:87)(cid:72)(cid:85)(cid:3)
(cid:40)(cid:76)(cid:87)(cid:75)(cid:72)(cid:85)(cid:3)$10(cid:3)(cid:82)(cid:85)(cid:3)4%(cid:3)(cid:82)(cid:73)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:68)(cid:80)(cid:82)(cid:88)(cid:81)(cid:87)(cid:3)(cid:82)(cid:73)(cid:3)(cid:72)(cid:68)(cid:70)(cid:75)(cid:3)(cid:87)(cid:85)(cid:68)(cid:81)(cid:86)(cid:73)(cid:72)(cid:85)(cid:15)(cid:3)(cid:90)(cid:75)(cid:76)(cid:70)(cid:75)(cid:72)(cid:89)(cid:72)(cid:85)(cid:3)(cid:76)(cid:86)(cid:3)(cid:74)(cid:85)(cid:72)(cid:68)(cid:87)(cid:72)(cid:85)(cid:3)(cid:3)
None

Penalty Fees 

(cid:120)
(cid:47)(cid:68)(cid:87)(cid:72)(cid:3)(cid:51)(cid:68)(cid:92)(cid:80)(cid:72)(cid:81)(cid:87)
(cid:120) (cid:53)(cid:72)(cid:87)(cid:88)(cid:85)(cid:81)(cid:72)(cid:71)(cid:3)(cid:51)(cid:68)(cid:92)(cid:80)(cid:72)(cid:81)(cid:87)

(cid:56)(cid:83)(cid:3)(cid:87)(cid:82) $37(cid:3)
(cid:56)(cid:83)(cid:3)(cid:87)(cid:82) $20

How We Will Calculate Your Balance:(cid:3)(cid:58)(cid:72)(cid:3)(cid:88)(cid:86)(cid:72)(cid:3)(cid:68)(cid:3)(cid:80)(cid:72)(cid:87)(cid:75)(cid:82)(cid:71)(cid:3)(cid:70)(cid:68)(cid:79)(cid:79)(cid:72)(cid:71)(cid:3)(cid:179)(cid:71)(cid:68)(cid:76)(cid:79)(cid:92)(cid:3)(cid:69)(cid:68)(cid:79)(cid:68)(cid:81)(cid:70)(cid:72)(cid:17)(cid:180)(cid:3)(cid:3)(cid:54)(cid:72)(cid:72)(cid:3)(cid:68)(cid:70)(cid:70)(cid:82)(cid:88)(cid:81)(cid:87)(cid:3)(cid:68)(cid:74)(cid:85)(cid:72)(cid:72)(cid:80)(cid:72)(cid:81)(cid:87)(cid:3)(cid:73)(cid:82)(cid:85)(cid:3) 
(cid:80)(cid:82)(cid:85)(cid:72)(cid:3)(cid:71)(cid:72)(cid:87)(cid:68)(cid:76)(cid:79)(cid:86)(cid:17)(cid:3)

(cid:13)(cid:41)(cid:82)(cid:85)(cid:3)(cid:72)(cid:68)(cid:70)(cid:75)(cid:3)(cid:69)(cid:76)(cid:79)(cid:79)(cid:76)(cid:81)(cid:74)(cid:3)(cid:70)(cid:92)(cid:70)(cid:79)(cid:72)(cid:15)(cid:3)(cid:90)(cid:72)(cid:3)(cid:88)(cid:86)(cid:72)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:51)(cid:85)(cid:76)(cid:80)(cid:72)(cid:3)(cid:53)(cid:68)(cid:87)(cid:72)(cid:3)(cid:73)(cid:85)(cid:82)(cid:80)(cid:3)(cid:55)(cid:75)(cid:72)(cid:3)(cid:58)(cid:68)(cid:79)(cid:79)(cid:3)(cid:54)(cid:87)(cid:85)(cid:72)(cid:72)(cid:87)(cid:3)(cid:45)(cid:82)(cid:88)(cid:85)(cid:81)(cid:68)(cid:79)(cid:3)(cid:87)(cid:90)(cid:82)(cid:3)(cid:69)(cid:88)(cid:86)(cid:76)(cid:81)(cid:72)(cid:86)(cid:86)(cid:3)(cid:71)(cid:68)(cid:92)(cid:86)(cid:3)(cid:69)(cid:72)(cid:73)(cid:82)(cid:85)(cid:72)(cid:3)(cid:87)(cid:75)(cid:72) 
(cid:54)(cid:87)(cid:68)(cid:87)(cid:72)(cid:80)(cid:72)(cid:81)(cid:87)(cid:3)(cid:39)(cid:68)(cid:87)(cid:72)(cid:3)(cid:73)(cid:82)(cid:85)(cid:3)(cid:87)(cid:75)(cid:68)(cid:87)(cid:3)(cid:69)(cid:76)(cid:79)(cid:79)(cid:76)(cid:81)(cid:74)(cid:3)(cid:70)(cid:92)(cid:70)(cid:79)(cid:72)(cid:17)(cid:3)(cid:60)(cid:82)(cid:88)(cid:85)(cid:3)(cid:36)(cid:51)(cid:53)(cid:86)(cid:3)(cid:80)(cid:68)(cid:92)(cid:3)(cid:76)(cid:81)(cid:70)(cid:85)(cid:72)(cid:68)(cid:86)(cid:72)(cid:3)(cid:76)(cid:73)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:51)(cid:85)(cid:76)(cid:80)(cid:72)(cid:3)(cid:53)(cid:68)(cid:87)(cid:72)(cid:3)(cid:76)(cid:81)(cid:70)(cid:85)(cid:72)(cid:68)(cid:86)(cid:72)(cid:86)(cid:17)(cid:3)(cid:44)(cid:73)(cid:3)(cid:92)(cid:82)(cid:88)(cid:85)(cid:3)(cid:36)(cid:51)(cid:53)(cid:86)(cid:3)(cid:76)(cid:81)(cid:70)(cid:85)(cid:72)(cid:68)(cid:86)(cid:72)(cid:15)(cid:3)

(cid:87)(cid:75)(cid:72)(cid:3)(cid:68)(cid:80)(cid:82)(cid:88)(cid:81)(cid:87)(cid:3)(cid:82)(cid:73)(cid:3)(cid:76)(cid:81)(cid:87)(cid:72)(cid:85)(cid:72)(cid:86)(cid:87)(cid:3)(cid:92)(cid:82)(cid:88)(cid:3)(cid:90)(cid:76)(cid:79)(cid:79)(cid:3)(cid:82)(cid:90)(cid:72)(cid:3)(cid:68)(cid:81)(cid:71)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:48)(cid:76)(cid:81)(cid:76)(cid:80)(cid:88)(cid:80)(cid:3)(cid:51)(cid:68)(cid:92)(cid:80)(cid:72)(cid:81)(cid:87)(cid:3)(cid:39)(cid:88)(cid:72)(cid:3)(cid:80)(cid:68)(cid:92)(cid:3)(cid:76)(cid:81)(cid:70)(cid:85)(cid:72)(cid:68)(cid:86)(cid:72)(cid:17)(cid:3)

(cid:37)(cid:37)(cid:57)(cid:36)(cid:3)(cid:76)(cid:86)(cid:3)(cid:68)(cid:3)(cid:87)(cid:85)(cid:68)(cid:71)(cid:72)(cid:3)(cid:81)(cid:68)(cid:80)(cid:72)(cid:3)(cid:82)(cid:73)(cid:3)(cid:37)(cid:37)(cid:57)(cid:36)(cid:3)(cid:56)(cid:54)(cid:36)(cid:15)(cid:3)(cid:68)(cid:3)(cid:80)(cid:72)(cid:80)(cid:69)(cid:72)(cid:85)(cid:3)(cid:82)(cid:73)(cid:3)(cid:87)(cid:75)(cid:72)(cid:3)(cid:37)(cid:37)(cid:57)(cid:36)(cid:3)(cid:42)(cid:85)(cid:82)(cid:88)(cid:83)(cid:17)(cid:3)

F03-X(cid:28)(cid:25)(cid:22)(cid:16)(cid:26)(cid:3)B(cid:3)